this post was submitted on 06 Dec 2024
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Showerthoughts
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A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. A showerthought should offer a unique perspective on an ordinary part of life.
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It’s all in the wording. Everybody has problems (even those with no money). The saying is merely suggesting that having more money doesn’t fix all of your problems, but adds to them.
If you want fewer problems, live below your means (easier said than done these days).
Rich people tend to buy rich people things (e.g., Mercedes Benz, million $$$ houses, Gucci-level clothing, etc), so they also have rich people bills. They are buying things that are at or above their means.
There’s a saying that I live by: an elephant for a nickel is only a good deal if you need an elephant and have a nickel. It helps remind me to not impulse buy stuff that I don’t need, merely because I can afford it and it’s novel.
This is amazing.
Poor people have mainly one problem: affording basic needs. As you get more you have lots more problems (in quantity, not severity). How much takeout is too much? What home improvement to prioritize? Estate planning? Who to hire to do taxes? House cleaner? Security (to protect the money)? Do you know a good travel agent? Insurance, upkeep on assets, investments. Am I charitable enough? Why am I still depressed? Should I see a therapist? Do I need a personal trainer?
Choosing how to spend money, is itself a problem. The only way to avoid the extra problems is to keep living like you’re poor, but without worries. Only buy what you need and know you can afford it.