When Money Works For You

Photo Cred: Joanna Nix-Walkup

I don’t know if everyone who will put eyes on this post knows the feeling of getting caught in the rat race of money or not, but if you do, then this one may be for you. You see, there is a rat race I’ve been feeling stuck on for a while and I’m slowly becoming free. It’s a financial race to get ahead of taxes and bills, in order to have enough to save, invest, and give generously. (I will preface this post by saying please check out my other post “It’s Better to Give Than to Receive” so that you understand my views on giving no matter what. There are ways to give generously no matter our financial circumstances.) But as life stands now, I’d like to give financially, in more profound ways than ever before.

Recently, last month in December 2020, I read the book Rich Dad, Poor Dad by Robert Kiyosaki and it changed my life. Not in any outward way. My financial and living circumstances from an outsider’s perspective look the same this month as last month, but my thoughts and words around money have shifted. At some point in the book, I started believing I could be the “rich Dad” Kiyosaki talks about. I started believing I could be financially wealthy in order to get out of the rat race.

The idea that opened my eyes to this new way of thinking that has changed my perspective on money is this: Money works for ME.

Until last month when reading that book, my entire life I worked for money. I worked a job or gig and received money in return. Work, get paid. Work, get paid. Whether life guarding at pools through high school and college or becoming a sports video producer, I worked for money. But then Rich Dad, Poor Dad flipped my perspective completely on its head. In the middle of the chapter where I had this enormous “aha” I literally spoke out loud over and over, “money works for me, I don’t work for money,” till I believed it.

When money works for me, then I get to let go of pressure to perform for work. I get to let go of fear of the financial “what ifs” with taxes and bills. I get to take authority. Finances do not rule my life anymore, I rule my finances. I am in charge of how much I make, where I work, and why.

This was huge. Still is. It’s something I’ve been testing for the last few weeks and so far, fear/stress/worry has taken a backseat to the ownership I now have on a mental-emotional level with money. And it’s manifesting to the physical.

I choose where and how I spend the money I make. I’m not letting go of responsibility to things that must get taken care of financially, but I’m just way more cognizant that control is in my hands. I control when and how things get paid. I control how much enters and exits my account each month. Money works to my behalf in buying groceries. Money works to my behalf in paying bills. Money works to my behalf with creating the life I want. And it will continue to.

Taking ownership of this one concept has opened me up to now saying things like “I control my schedule; it doesn’t control me.” And “I control my time; time doesn’t control me.” These invisible entities that used to run me around and rule my life, don’t get to anymore. It’s up to me. And it has allowed me to breath a little easier the last three or so weeks since reading the book.

So, friend reading this post, let money work for you. Stop working for money. No one, and no-thing should own or control us.

No. You have skills, ideas, intelligence, interests, and accomplishments to offer the world. These are valuable first, before anyone decides what the value those things are worth on a per hour or per year basis.

You are valuable. And money is the thing that works to your favor- getting you the things you need and want in life, and perhaps out of the rat race one day soon.

{Travel Tuesday} Travel Better With These 3 “To-Dos”

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Travel better with these three recommendations for your next trip!

Rather than make a post about a specific country, culture, and time of life, the simple “To Dos” on this Travel Tuesday post are things that I’ve learned through the 27 countries I’ve visited, that I hope will help you make the best memories the next time you venture out!

1. Do talk to strangers. Some of the best moments traveling have been the serendipitous conversations with passerby-ers, people staying in the same hostel as I, and strangers next to me on the bus or train.

I remember a time in Queretaro, Mexico striking up a conversation with a gentleman standing outside of a play I wanted to see. I was with a few other students and we all showed up late, without tickets. It was sold out. We ended up striking a conversation with a guy outside, having no idea he worked at the theater. If we hadn’t taken the time to chat, he wouldn’t have then snuck us in a backdoor so we could see the second half of the show… It pays to talk to strangers; you never know where it’ll get you!

Another time, a guy with blue hair, gauges in his ears, and wearing a leopard print shirt was traveling from Spain to Morocco on the same flight as I. From the looks of him, this guy was someone I wouldn’t have talked to on my own turf. However, he asked me a few questions about Morocco, namely why was I going, and then happily told me allllll about his vacation. From plane, to taxi, to train, we ended up sticking together through the travel process in making it to our destinations. Halfway through our 2 hour wait for the train, I heard him ask the people around us about phones and buying a SIM card and data. He turned out to be a huge asset as together we found a mall a couple of blocks from the train station with a phone store, got food, and he even carried my bags on and off the train for me. You can find great comradery in friendly travel conversation, even with someone who looks like they just rolled through their sister’s closet by accident.

With strangers I’ve gone rock climbing, dancing, out to shows, connected with over drinks, and like the guy from Morocco, even finding and buying phone data in foreign countries! Strangers, while keeping a close hold on my phone and wallet, make traveling worth it as we’ve exchanged stories and experienced life together. After all, my current fiancé was just a stranger on a ship at one point, before we started talking!!

2. Do travel alone. I LOVE group trips. It’s important, fun, and you come back with shared stories to talk about for years to come. BUT the times I’ve traveled alone, I’ve learned more about myself—what I’m capable of, what scares me, and how to stretch myself out of my comfort zone. I am more aware of my surroundings when alone, whether for safety reasons, or just to make sure I arrive on time to the next bus or train. It allows me to take in more with sights, sounds, and smells. I get to pull out my camera, and not feel pressured to hurry because I’m with people, as I capture the both the breadth and depth of life around me. I love a good solo trip, even if it’s just for a day to branch out in a new city.

3. Do what locals do. I’ve certainly stood out as a foreigner in many travels. Even just to NYC, 5 hours from where I live in Pennsylvania, if you’re not from the area, locals can tell. And with that comes the risk of being targeted for money, scams, pick pocketers, or worse. I’ve learned to research the customs of the areas I’ll be traveling to in advance and have gotten advice from people through Facebook groups, blogs, tour guides and even “safe zones” like hotels and Airbnbs. Doing the local thing, by researching in advance will save you money and harassment, I promise.

A small, but telling story of being naive in a new place was as simple as buying a gelato in Italy. You would think it was a simple thing, buying gelato in Florence. It’s everywhere. Street corners and plazas. Piled high in beautiful, colorful mounds. Luckily, I’m not much of a dairy eater anymore, or I would have fallen for the simple trap that those gelato stands have going on in most touristy places throughout Italy. I learned from a local that those tall, gorgeous piles of gelato aren’t real (artisan), and shop owners charge double, 6 euros, instead of 2 or 3, for a scoop like in true gelato shops. She said the real places with homemade, artisan, and authentic gelato keep it insulated in small containers. And she warned to not spend more than 3 euros for a dish. If the workers tried to charge more, she said tell them you know better and you’ll pay the local rate.

It doesn’t matter what country, city, or culture I’ve visited, I’ve been naive and have stood out many times. But through seeking locals’ and avid travelers’ advice, and by doing what they do and going where they go, I’ve always had a richer experience.

By the end of my Italy trip, I ended up trying gelato a few times and it was always the right price and quality, saving me a few bucks as a foreigner.

That’s it! My three “To Do’s” to making the most of your next trip. Drop a message/ leave a comment with your To Do’s when traveling; I’m always open to the advice of others!