{"id":14645,"date":"2023-09-18T05:15:00","date_gmt":"2023-09-18T12:15:00","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=14645"},"modified":"2023-09-24T09:42:28","modified_gmt":"2023-09-24T16:42:28","slug":"no-im-not-rich-but-i-am-financially-free-heres-how-i-got-there-2","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id14645-no-im-not-rich-but-i-am-financially-free-heres-how-i-got-there-2.html","title":{"rendered":"I’m Not Rich, But I’m Financially Free; Here’s How I Got There"},"content":{"rendered":"

\"financial<\/a>Let’s face it, the more choices we have in life, the richer and more rewarding it becomes. Fortunately, I’m currently in that coveted sweet spot of financial freedom where I can do pretty much whatever the heck I please, whenever I want.<\/p>\n

Don’t get me wrong. I’m not in a position to buy whatever<\/em><\/strong> I want, but I am able to take advantage of a lot of opportunities in life that are typically out of reach for the financially undisciplined crowd. So, financially speaking, I’m in a pretty good place right now.<\/p>\n

Flexibility Is a Powerful Perk<\/h3>\n

If I want to drop everything right now and take a spur-of-the-moment vacation, or visit some friends on the other side of the country, I can do it. True, I won’t be flying first class or staying in five-star hotels, but I can do it in a financially reasonable manner, knowing that the bills will be paid in full shortly after they arrive in the mailbox.<\/p>\n

Many of you know that several years ago I made the biggest impulse purchase<\/a> of my life, shelling out almost $2500 — from a “mad money” savings account I have — on a couple of tickets to see my hockey team play a Stanley Cup Final game. And I don’t regret it for one minute.<\/p>\n

I’m also fortunate right now to be in a position to handle unanticipated financial surprises — like the time I got blindsided with a dentist bill<\/a> for $3332 to cover the cost of, among other things, having my son’s impacted wisdom teeth removed. And while that really<\/em><\/strong> smarted at the time, I was thankful to be able to pay the entire bill without having to take out a loan because I had a rainy day fund to handle unexpected expenses.<\/p>\n

The Quest for Financial Freedom<\/h3>\n

Although a lot of folks would disagree with me, I’m not rich — but I am<\/em><\/strong> financially free. It’s important to understand that the two are not synonymous.<\/p>\n

Believe it or not, financial freedom is achievable no matter how much money you earn. All it takes is a lot of discipline, a little patience, and a strong commitment to spend less than you earn, which is why I constantly preach that financial freedom is a state of mind as much as it’s a state of being.<\/p>\n

So how did I get to this point? Well, there are two big reasons:<\/p>\n

    \n
  1. I’ve always lived well below my means. Always.<\/li>\n
  2. I’ve kept my debt to a minimum. That’s not to say all debt is bad; it’s not. But for as long as I can remember, other than cars and houses, I’ve never bought anything unless I’ve had the money already set aside to pay for it in full.<\/li>\n<\/ol>\n

    That simple strategy has allowed me to avoid tens of thousands of dollars in interest payments over the years. That’s money I’ve been able to spend on fun things like a last-minute vacation to Hawaii<\/a> and, even more importantly, feed into my retirement, mad-money and rainy day funds.<\/p>\n

    The Moral of the Story<\/h3>\n

    It’s never too late to start your quest for financial freedom.<\/p>\n

    Remember, if I<\/em><\/strong> can do this, you can too — even if you have a modest income and currently find yourself buried under a mountain of debt. You’ve got to trust me on this one.<\/p>\n

    The only catch is you’ve really got to want it.<\/p>\n

    The bottom line is this: Debt<\/a> limits your choices and future opportunities in life because you end up spending tomorrow’s wages today.<\/p>\n

    The good news is that by forcing — and then keeping — the red ink on your balance sheet to a minimum, you’ll not only keep more control of your life as you get older, but you’ll also gain the financial flexibility to make it richer and more rewarding too.<\/p>\n

    ***<\/p>\n

    (This article was originally published on 27 August 2012.)<\/em><\/p>\n

    Photo Credit: Tata_aka_T<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Let’s face it, the more choices we have in life, the richer and more rewarding it becomes. Fortunately, I’m currently in that coveted sweet spot of financial freedom where I can do pretty much whatever the heck I please, whenever I want. Don’t get me wrong. 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