I saw a cartoon in a recent New Yorker where a guru on top of a mountain tells a dog, “The bone is not the reward—digging for the bone is the reward.”
When I was trying to get a full ride to college because we were poor, that was the bone I was digging for. So eventually, I graduated from college with $4,500 in debt. When I was trying to overcome anxiety and unhealthy behaviors from growing up in a dysfunctional home, I focused intensely on digging to the root of the problem, and found help and friendship in a twelve-step program. And when I realized there was more to life than forty continuous years of 9-5, I focused on digging until I became financially independent, and this year I got that bone.
A good portion of readers have had their own success in digging for bones: they’ve gotten out of debt, started retirement accounts, and have begun living by the principle of spending less than they earn, which leads to all sorts of awesome things. Like when the lightbulb goes off in their head because they realize the extra money they’re saving can be invested and one day used to fund their day-to-day living, meaning they’ll have the choice to retire early.
How do I know this? Because I talk to people like this every day who are willing to do the digging it takes to have the freedom to live the lifestyle they want, so they can do what they want when they want. They don’t want to work until they’re so old and sick they just can’t work anymore, or work to the day they die like 37% of the population now plans to.
Like you, I knew that I wanted to live my life on my own terms and that’s why I spent years learning everything I could about investing so that one day my money would be working for ME, so that I didn’t have to work for it myself. You have three good options if you don’t know much about investing:
- Spend your free time reading books like The Intelligent Investor, learning boring financial theories, options trading strategies, and calculating compound interest.
- Hire a financial advisor for $150-$500 an hour. Are they good or do they suck? How do you know?
- Enroll in finance and investing classes online or at your local college.
The problem is, nobody wants to do these things – I’m a weirdo because I love it – they just want to follow easy steps to manage and invest their money. That’s why I wrote this eBook:
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Not a day goes by that I don’t hear, “I really want to be in control of my own destiny and to choose what I spend my time on.” My answer is always, “Well, you can.” You just have to start digging for that bone.