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Young people, before you build wealth, you have to first build your comfort. Personal comfort is the fertilizer that helps you grow through clear thinking and peace of mind.
You are buying stocks at the risk of going hungry. Why not eat first? Satisfy your moderate/reasonable cravings, reward yourself. This is how you find the strength to keep pushing.
You are saving, yet the room that you take your rests in everyday is in poor condition. No proper bed. You refused to get an Air Conditioner. Your bedsheet has not been changed in years, your pillow is so worn out and dirty that it could wake the dead if placed under their head. Your underwears (boxers and bra) have not been changed for years. You don’t invest in smelling nice. Why can’t you take care of yourself first?
You are saving when you can afford to rent apartment in a better, more peaceful and serene environment. Yet you remain in an environment filled with unbearable stench and with high security risk. Overtime, that stench becomes your natural ooze, and the insecurity would consume a chunk of that money you saved when they steal your generator or rob you. Your standards will drop without you realizing it. You would have grown so accustomed to that slum you’ve decided to root yourself in that the low standard of living and discomfort becomes normal to you. Eventually, you start to reflect that environment in your behavior and lifestyle; your behavior becomes unrefined and local. The stench becomes ‘clean air’ to you. You lose your sense of smell, that you can’t tell when your armpit is smelling anymore.
You are saving, you’ve saved enough to buy a car to push around, yet you prefer to mount Okada and public transport. Depriving yourself of the barest minimum utility that could greatly improve your efficiency, time saving and quality of life, because you are saving. One day, you will fall on the okada or you’ll have a fight with a conductor and they’ll remove your teeth.
You are saving, but you won’t provide better nutrition for your children even when you can afford it. You forget that proper feeding today prevents bigger health expenses tomorrow. What you avoid now, you may end up paying for later in treatments.
Saving is important, but it is not wisdom to ignore immediate needs. There is no virtue in suffering when you have the means to live better.
In all things, wisdom is key. Do not deprive yourself, and do not live beyond your capacity. Find balance.
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