Do You Suffer From Apathy? Here’s How To Care Again

Swiss Flag Waving In Mountain RangeEverybody warned me about the incredibly expensive prices in Switzerland and for that reason I found things to be just fine. I caught myself saying in my head, Is that it? a number of times I opened my wallet. For example, the cost of a one way train ticket to Lucerne from Zurich was only 20 CHF (~$22 USD). Is that it? The cost per night at the Hotel Pilatus in a quaint town called Hergiswil was only 120 CFH. Is that it? Even a plate of gooey raclette was only 9.5CFH, leaving me more than good enough to get three scoops of gelato for 5 CFH afterward!

I decided to visit Switzerland for three reasons: 1) I’ve never been and heard Switzerland to be one of the most beautiful and livable countries in the world, 2) To test the upper limits of what my income can comfortably afford and 3) To get firsthand experience about Swiss neutrality, which I find synonymous with apathy.

The first things that comes to people’s minds when they hear the word, “Switzerland” are chocolate, mountains, and cheese. There aren’t any sort of negative connotations about the country except for perhaps the high prices. Try the same exercise with North Korea, and you get a completely different set of nouns and adjectives. What we also don’t get from Switzerland is any feeling of emotion due to its neutrality.

EVENTUALLY WE STOP CARING OUT OF SELFISHNESS

Why Do We Discredit Other People’s Achievements?

Kid chasing pigeonsThere are two main ways of getting ahead. Do everything you can to improve your own situation or try and cut others down to come out with a stronger competitive advantage. The second way is obviously the loser way to get ahead. Anybody who employs this method will likely always be dissatisfied with what they have because they will be constantly envious of others. Everybody I’ve met who takes the second route are perpetual underperformers. I try to avoid them like the plague.

It’s probably impossible to get rid of envy. It’s also hard not to attribute our success to hard work and other people’s success to luck. As you know, the number one method to keep haters at bay is to attribute everything you’ve achieved due to luck!

It still perplexes me that in a land of cheap and easy transportation why not just take a Greyhound bus and go where life is better. The first settlers took three months to move cross country. We can do the move in a week. Perpetually complaining about the weather in the midwest isn’t going to solve the hollowing out of our great states.

We shouldn’t have to worry about other people’s finances, but sometimes I do wonder why someone would willingly drop a dumbbell on their toes and blame others for their pain.

SOME RECENT EXAMPLES OF DISSATISFATION

Celebrate Small Wins To Keep Financial Motivation Alive

Life is like a bucket of cherries. Don't each one go to waste!Building wealth is a long game. It’s sometimes very easy to get discouraged as a result. Despite a lucky investment when I was 22, I felt very little pleasure having a large savings account in my early 20s. Money degenerates to just numbers on a screen that provides no utility unless spent.

I was actually considering quitting my newfound job in San Francisco after two years in 2003 to live a vagabond lifestyle in Hawaii. Surf in the morning, massages in the afternoon, and Mai Tais in the evening can’t be that bad. Thoughts of buying a Eurovan VW to go road-tripping across the continent as I took showers at rest stops also crossed my mind.

It’s dangerous to receive a financial windfall so early in life because there’s a risk of saying fuck all to everything. You suddenly think building a sizable financial nut is so easy, when it’s clearly difficult in a short period of time. With a sudden injection of wealth, you may never achieve your potential because you simply don’t bother trying as hard.

After much deliberation and a perpetually drunk upstairs neighbor, I decided to buy my own property to “get rid” of my money. I was sick of renting and I was also unmotivated to work for money, a big problem if you work in finance! As soon as I plunked down the six figure check I felt a sense of relief. Having no money never felt so good!

Finally, I’m working for something more, I remember thinking after paying my first mortgage payment. Living in a nicer property instead of a dingy one bedroom was a reward for four years of hard work and risk taking. Slacking off was not an option because if I did I might lose my home!

Perhaps the real reason why I love property so much is not so much for the returns, but for the refocus it provides. Mortgage debt saved me from being another know-it-all kid who throws his life away at the age of 26 due to a lack of patience and perspective. A mortgage was the anchor that kept me from blowing away.

Years later at the age of 32 my enthusiasm for work once again began to fade. 10 years raced by after college but I was afraid to go out on my own because work was all I knew. The Dark Side Of Early Retirement was penned to make sure I wasn’t falling into the same trap without any purpose. When the post was published, I was immediately bashed over the head by the early retirement community if you read the comments. Little did they know my goal was to purposefully bash my own crazy thoughts to make sure I wasn’t missing anything before deciding to take the leap of faith two years later!

CELEBRATE MORE OFTEN PLEASE

Why Not Just Try Harder To Get Ahead? The Effort vs. Talent Debate

enjoying-sunshineAnybody who knows me realizes I’ve got very little talent in practically everything I do. Complex math was confusing so I stopped at Trigonometry sophomore year in high school. Who needs math, I told myself as a teenager who knew he could never become an engineer. My tennis serve is mediocre because I’m not particularly strong or tall. 205 lbs was the max I could ever bench and it’s been all downhill from there. Even after owning an acoustic guitar for over 10 years, I still can’t fingerpick quick enough to play Just Breathe, one the most beautiful songs by Eddie Vedder.

Even writing an article is often hard despite writing consistently online since 2009. My post on the recommended net worth by age and work experience took over 10 hours to write for example. Who the hell dedicates 10 hours of their life to write an article when I could be sipping a Moscow Mule on a beach in Bora Bora after an adventurous dive? An untalented writer who has to constantly double check his math and make sure there aren’t too many grammatical errors, that’s who.

Despite my deficiencies, I’ve managed to survive and lead a happy life. Serves are carefully placed while lullabies are simply sung. I argue that genetics plays a big part in happiness because when I was a poor college student studying abroad on $300 a month I was ecstatic. When I was getting Django Unchained on Wall Street, I was excited to be in the thick of the action. Now that I’ve retired, the happiness meter has stayed elevated as it should.

But what about effort? How much does effort play a part in getting ahead vs. talent? Every time the wheels start slipping, I ask myself, Why not try harder? Let’s discuss.

EFFORT > TALENT FOR SUCCESS

Make Time To Think Differently

Mexican fisherman and his catchThe stock markets surged to new highs on May 3, 2013 in large part because the Labor Department said the economy added 165,000 jobs in April, 15,000 more than consensus expectations. 15,000 is a rounding error in a nation of millions, but we’ll take it if we can see billions more wealth created!

Just think about this situation for a little bit. Is it not a little bit ironic that more jobs creates more stock market wealth, but once you have lots of stock market wealth you no longer have to work? I’m reminded about the parable of the Mexican fisherman who gets ridiculed by an executive with a fancy MBA for why the fisherman doesn’t want more than his catch. The whole point about investing our money is so that our money will one day work so hard for us that we don’t have to.

FORGET ABOUT THE SAME