Saturday, March 14, 2026, 6:23 am
Cashflow and psychology

Part of my finally become an adult—a man—is discovering that I have the wrong mindset about money.
Maybe it’s my tendency to see what I can get away with. My father could never resist a good deal. Even my girlfriend doesn’t accept the first price.
To say my dad was grifter is not entirely accurate nor fair… he worked hard, yet he was frustrated by the world that was no longer a loyalty-rewarded system his own father enjoyed. He found a level of comfort and was satisfied with that. And mowing his lawn.
I learned how to live with less and look for a deal. That zeal for yard work missed me entirely, however.
Mom, on the other hand, got it. She had hit that point where money worked for her, and it made her generous.
I see thought experiments on both sides of the aisle. There’s the stingy side. Don’t buy that overpriced cup of coffee. Live like no one else, so you can live like no one else.
Then there’s an abundant approach. Hustle so you can enjoy that cup of coffee guilt-free! You have to spend money to make money.
One of my best friends is frugal. Some call him cheap, yet I’ve seen him match whatever value he sees. And what he says makes some sense.
There are a lot of entitled, single moms out there waiting tables—even if they clearly don’t want to be there—and do nothing to add to that dining out experience. They then bristle at a 5-10% gratuity. Or when that tip fails to materialize entirely.
I get it. This is how to keep the lights on and a roof over your head. Yet, in this case, I agree with him. Being charming and pleasant and “serving” the guest is part of the experience. If you’re not adding to the experience, why should a guest pay more?
But I digress. I have many thoughts on the dining out experience as a whole, but they can wait.
Focus. This is about me. The man child. The one who is amazed that people—adults—are financially mature. They purchase big ticket items. Cars. Homes. Vacation homes. Travel.
They are greeted with a $12,000+ daily balance from the ATM.
Why can I not fathom this? What did I miss growing up?
Perhaps I do not want enough. Enough to set goals anyway.
Now, I find my life disenchanting. Like a petulant brat. Maybe I am the one who’s entitled…
I’m beginning to hone in on new wants. Dreams. Desires. Plus, I no longer want to do life alone. Yet, by minimalizing to meet my money needs—and supporting my own laziness—I find I am disappointing.
In some ways, I have a life she wants to join. Yet, in others, she sees that I fall short.
The life design influencers encourage writing these wants, dreams, desires down. Some go a step farther and create a spreadsheet. Budget for the rich life you deserve.
I have one friend who even budgets a line item for each of his girlfriends. Yes, girlfriends. He had three at the time.
He doesn’t want for money. He is frugal with what he needs, enjoys spending for his wants.
This. This is the life I crave. Is it so unattainable, as I was led to believe?
After all, I don’t know many who simply have abundance.
Let’s face it. Scarcity is the norm in society. Perhaps, this is by design. Controlling the masses. Bread and circuses and all that. And debt.
Most of that I do not want—I’m not even interested in bread, circuses, or debt. Maybe bread.
I have been accused of being a foodie. The one extravagance I maintain.
I want more. I want to feed my insatiable wanderlust. I want to take care of my woman. I want her to never have to worry so she can relax and surrender to her own loving nature and her femininity. Life has been too cruel to her for too long.
Yet, this scarcity is indoctrinated in me. I go there before thinking.
Just today, I caught myself saying, “I never thought I’d live long enough to see one bedroom apartments go for $1,000 a month!”
How can I follow my dreams? How can I afford this at this stage in my life—and more! I fantasize about having a spacious and beautiful place to live!
Is there anything I can do to make real money? Will anyone read my writing? Am I qualified to do anything?



artemas


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