GREAT SAVERS vs. BIG SPENDERS

The fact is, rampant spending is usually a product of partially ignoring the entire concept of what money is.  Spending can feel like a payoff, a jackpot, it can feel like hammering a button that makes a person feel good. We all feel it from time to time.  We also use cash to solve problems.

Every turn of the dollar usually involves cutting the solution more tightly around expense, or just letting it go, and then we get pounded by the cost of convenience, or the splurge.

         Of course, the transition of cash to goods involves trading away a horde of cash, and all future opportunity costs tied to that cash – this translates to years of labor.  People have internal circuits of desire, and the sensation of ‘attainment’ can run in loops.  In life, much of our action does not offer very direct sensations, or direct rewards. Sometimes our quickest sensation of reward is acquiring goods or experiences quickly, by blowing cash

Commerce becomes our foe as soon as we push spending past the line of leverage, removing all leverage from ourselves.  Modern jobs with modern paychecks yield modern opportunities.  The chance to save is sort of a new thing, and yeah, it’s a big deal.

Taking on the Great Saver status involves breaking down the appearance of actual costs and discovering the reality: the opportunity costs.

         Most kids have no greater dream than walking through a toy store and taking EVERYTHING they want.  As we grow older we lose that tendency, because we deal with the reality, and we grow to succumb to greater instincts, in order to preserve ourselves.

Ceasing to pour money like water from a spigot is not as hard as it looks.  It just requires “showing ourselves the truth.”  The primary reason we don’t exercise every whim of purchase is because we can grow into a sense of loss as we burn cash.

Big Spenders detach the sensation of spending from the reality of cash, and more than that, they have totally ignored the truth of opportunity costs.

GREAT SAVERS:
usually feel the pinch, before they spend
this derails immediate purchase
causes them to ensure the purchase is necessary
causes them to seek out a cheaper alternative
causes them to find better deals
frequently enters DIY mode to solve the problem

         This series of reactions to a problem creates a delay of enormous impact: because there are so many walls in place where everyone else just pulls out money.  Each wall prevents rampant purchase – which prevents a person from promising away future labor for something that satisfies a whim of the moment.  With these 6 walls to burning cash, it likely creates not just ‘a little less spending’ but a full 6+ times less expense in some areas.


BIG SPENDERS
get a rush when they think of buying something
get a rush when they are shopping for something
get a rush when they spend the money and officially acquire something at the register
get a rush on the drive back home
love seeing the items and bags in their home
feel depraved the second this cycle is not allowed to continue

         As time ticks by, the positive feelings for these purchases dwindle, and like nicotine, the immediate fix is to jump on the cycle again. Shopping and spending become like all other activities.  Spending blends in with everything else:

Eating food = body feels a need, eat food, feel good.
Sleeping when tired = body feels a need, rest, feel better.
Need to succeed or acquire = seek reward, purchase, bring home reward, feel better.

        It’s in human nature to hunt, or pick berries, to succeed naturally.  If we were without that urge, we would stay at home permanently and live like sloths.  So while we have the natural instinct to acquire things, the act of Big Spenders is a derailment of natural processes into an almost unrelated activity.  This unrelated activity might be one of the most inhumane punishments ever… rampantly spending money today and ignoring future needs equates to promising an old person into labor.

The fact is, many people can retire early with the right mindset.  Giving away that possible future and also, throwing out any financial well-being along the way is a great modern dilemma.

For every rush a Big Spender gets from spending – a Great Saver has created a naturalized way to derail any start of that rush.  A Great Saver gets a prolonged sense of well-being by maintaining their future, sparing their cash from the bonfire: they refuse to promise the bounty of their next work shift in trade for an unnecessary product at ridiculous price.  This is not about saving a quarter here and there – it’s about total lifestyle shifts that translates to tens of thousands of dollars that can turn into an actual mountain of cash through time.

Our future is only partially in the hands of Big Commerce,
the other part of the future is ours to build,
or ours to ignore.

SAGA can save your friends! Feel free to like and share!

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