Editor: Crass Cash
Whether you believe in creationism or evolution, the one thing we both can agree on is that at one point we were cavemen. Or is that caveperson now?
As a result our human instincts were traded over many thousands of years to focus on three thiings: sex, sleep, and food! I'll leave the whole sex and sleep thing up to you, but the food part is important to financial planning. How can that be? Because at one point we always lived on the verge of starvation. Every day we would get up and try to find our next meal. Occasionally we'd find some food that didn't rot for a few days, but otherwise were always looking for food. How is this different from those of you who live paycheck to paycheck?
It's in our genes. We don't know if we'll be alive tomorrow, so live for today. The average lifespan back then was around 30, so wtf was retirement??? With this said, things have changed whether you like it or not. People now live to an average age of around 80 and many times age forces you to retire.
We fight other battles of wanting to eat steak with french fries and then washing it down with a root beer float. We now have to fight these urges or else you're going to wage a war with diabetes, heart disease, and cancer. We can't eat whatever we want, we can't drag a cavewoman back to the cave for sex, and we can't live paycheck to paycheck. Don't follow your instincts when it comes to these animalistic urges. Show discipline!
So with all of this said, the unhappiness that comes with living paycheck to paycheck is now put on you. You're an adult now with freewill and discipline. Show it by not living paycheck to paycheck! Go setup a savings account and have money automatically drafted into it each pay period. When you get to 6 months worth of living expenses, stop! Then divert that same amount of money into a retirement plan whether it be a 401k or an IRA. You'll thank me later!
As a result our human instincts were traded over many thousands of years to focus on three thiings: sex, sleep, and food! I'll leave the whole sex and sleep thing up to you, but the food part is important to financial planning. How can that be? Because at one point we always lived on the verge of starvation. Every day we would get up and try to find our next meal. Occasionally we'd find some food that didn't rot for a few days, but otherwise were always looking for food. How is this different from those of you who live paycheck to paycheck?
It's in our genes. We don't know if we'll be alive tomorrow, so live for today. The average lifespan back then was around 30, so wtf was retirement??? With this said, things have changed whether you like it or not. People now live to an average age of around 80 and many times age forces you to retire.
We fight other battles of wanting to eat steak with french fries and then washing it down with a root beer float. We now have to fight these urges or else you're going to wage a war with diabetes, heart disease, and cancer. We can't eat whatever we want, we can't drag a cavewoman back to the cave for sex, and we can't live paycheck to paycheck. Don't follow your instincts when it comes to these animalistic urges. Show discipline!
So with all of this said, the unhappiness that comes with living paycheck to paycheck is now put on you. You're an adult now with freewill and discipline. Show it by not living paycheck to paycheck! Go setup a savings account and have money automatically drafted into it each pay period. When you get to 6 months worth of living expenses, stop! Then divert that same amount of money into a retirement plan whether it be a 401k or an IRA. You'll thank me later!
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