The Daily Meaning
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What is Excellence?
As a consumer, what does excellence look like to you? What would an organization do that would make you stop and think, "Wow, that was amazing!"
Wipe Up That Water
Creativity is the most powerful weapon in our toolbelt. It's the tool that unlocks doors and unveils new opportunities. Creativity can (and should) be integrated into all aspects of our lives, giving included.
One Sec, Gotta Make My Monthly Burrito Payment
A few days ago, it was announced that Klarna will soon be partnering with DoorDash, offering DoorDash customers the option to spread the expense of their food order over four monthly payments. Yes, you heard that correctly. You'll soon be able to use debt to buy your delivered Chipotle burrito.
Better Than You Found It
I got rocked by a single moment yesterday. #12 McNeese had just taken down #5 Clemson in the first round of the NCAA basketball tournament.
Your Permission Slip
The commenters disagreed, and right on cue, they offered the angriest of angry responses. In short, most of the feedback revolved around the idea that you can't even find junkers for $10,000. $10,000 will buy a piece of trash car that will leave you stranded in the middle of nowhere any and every day. Translation: a $10,000 vehicle is an absolute pile of crap.
Only You Can Define Success
The world does a great job of telling us what success looks like, and typically, it involves a $ symbol. Sure, I suppose money can (and should) be one definition of success, but it's a gravely materialistic perspective to define everything through the lens of dollars and cents.
Legacy: Digital Footprint Edition
Someday, I'll be dead. Hopefully, not for a long time, but it's coming soon. When that happens, my kids will be left in this world without me.
Seeking Quick Hitters
Would I rather be exploring Asia or the Middle East? Absolutely! But that's not in the time or financial budget right now. Therefore, we're going to enjoy the heck out of these little quick hitters when we get them.
The Superpower of Humility
The paradox of this situation is that both realities simultaneously exist. Unlimited income is a few clicks away, but at the same time, so many people are struggling with a problem that is only solvable by making more income.
To Kill or Not to Kill….Their Dreams
Here's the problem. In our effort to protect our kids from failure, struggle, and disappointment, we methodically kill their dreams as they grow up.
Crazy Friend Update
A few years ago, I wrote an article about my crazy friend. He's a mess with money. Longtime readers might remember this friend, but if not, I'll summarize their financial situation.
But Not All the Fun Things
We can (and should) have fun things, but we can't have ALL the fun things. The coffee alone isn't killing us. We can choose to have the coffee. The clothes alone aren't killing us. We can choose to have the clothes. The problem arises when we decide we want ALL the fun things.
Micro Losses, Macro Wins
One of my clients felt frustrated. When I asked her how the most recent monthly budget went, she confessed that she didn't do so hot; she overshot four categories. Curious about this, I told her I would check her numbers quickly.
Cost, Value, and Your Gut
I've eaten $10 meals that were absolute ripoffs. I've eaten $300 meals that were bargains.
Yes, Too Simple
Here's my beef. Personal finance is typically treated like some sort of above-people's-heads, MBA-level rocket science. In fact, the entire financial industry is constructed that way to convince people they need to hire outside help (you know, the experts!).
Taking Timing Off the Table
Have you ever stressed out about the timing of your finances? For instance, your mortgage payment is about to get pulled from your account, and you have a paycheck also arriving soon, and you're crossing your fingers and toes, hoping the paycheck happens first.
Learning vs. Doing
I'm witnessing a problem develop in our current culture. With unlimited resources at our disposal - often for low or no cost - we're becoming so fixated on learning that we're not actually doing.