Money is stored time

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It’s hard to quantify something that can’t be stored or seen increasing in quantity. That’s why time becomes the asset many of us pay the least attention to. The more importance we give it, the better the outcomes we’ll receive.

Every dollar you earn is a buy-in to your future

You may not realize it when you’re working, but every paycheck that’s collected in exchange for the time you put in is worth something now and worth an infinite amount in the future. Shifting the framework of what your paycheck means will drastically change how you decide to deploy the hard-earned dollars you earn. You can break down your categories of expenditure into spending, investing, and debt. Investing is the only category that fills your time to account for your future. Reframe the thought when you want to spend $10,000 on something. Think of it in terms of the number of shifts you need to complete.

Financial independence is time independence

They say money doesn’t buy happiness. Those individuals may not have come across the amount of money that would have made an impactful difference. As a physician, we feel like we have control over our lives. The truth is, many of us are employed and we really don’t have the control we want. Most of all, many of us only earn if we work while exchanging our time for money. It’s not wrong by any means to do this as long as there is satisfaction in what you’re doing. Eventually, you need to consider what you need to feel independent, that is, the ultimate freedom that money can actually buy.

Stop running on the wheel

We can continue running on the wheel for as long as we like. Initially, we get on the wheel to take care of our basic needs. Eventually, we run long enough that those needs are met, and we can now set aside some funds for things that we want. After we’ve taken care of our wants, the next step is to continue running on the wheel for freedom. Mathematically, if you do it right, you should have a large enough nest egg to retire comfortably and early enough if you so choose. Alternatively, you work because you like what you are doing and not because you have needs that must be met.

In conclusion,

Money = freedom. If you see money in that way, your perspective of it will change, you will be more mindful of what to spend it on. The 100k car doesn’t add to your freedom. It might provide temporary pleasure, but that will not last forever. True freedom is time freedom.

A.K, MD