​

Financial Samurai

Slicing Through Money's Mysteries

  • About
  • Invest In Real Estate
  • Top Financial Products
    • Free Wealth Management
    • Negotiate A Severance
  • Buy This, Not That (Bestseller)

Let’s Just Be Regular People

Updated: 03/20/2021 by Financial Samurai 35 Comments

What’s so bad about those who just want to regular people and have some fun? Perhaps they are too lazy and afraid to dream bigger. So I often I come across people with a no-can-do mindset. If you want to grow your wealth, invest, and retire a millionaire, you want more than regular people. Most Americans retire with way too little.

For all you whipper snappers out there who think school is a waste of time, good grades are a waste of effort, and working towards a great career is for losers, you should fit right in with regular people. It’s all about being a nonconformist right here, right now. You can live the life of your dreams on your own terms, or at least that’s what everyone is saying nowadays.

Watch one of the all time classic scenes from The Cosby Show where Dr. Huxtable asks his son, Theo how he expects to get into college and earn a living with poor grades.  What transpires is one of the most hilarious interactions ever! 

In this 4 minute clip, you’ll learn everything you need to know about minimalism, relationships, budgeting, work, taxes, career, love, and happiness.

Regular People Can Be Happy Too

It’s absolutely perfect to be a regular person so long as you are happy. There’s no need to be successful in anything you do frankly. Regular people can be happy too. So long as you are satisfied with what you have and the direction you’re heading, that’s all that matters.

There may be too many people telling you what you should and should not do. Forget about it! Do as you damn well please, because regular people rock. Just don’t let the Dr. Huxtables of the world slap any sense into you. They don’t know what they’re talking about because you’ve got it all figured out.

Further Reading

  • On A Mission To Refinance In America
  • How I Earn Over 10% Passive Income With P2P Lending
  • Retiring In Mexico Or Abroad Might Not Be A Bad Idea
  • Paying For Height Is A Waste Of Money: The Many Benefits Of Being Short
  • What Drug & Alcohol Addiction Taught Me About Risk & Reward

Readers, are you afraid to try because you’re afraid your brain is going to explode and ooze out of your ears? Or do you agree with what Dr. Huxtable says in the end, “that’s the dumbest thing I’ve ever heard!”?

Best,

Sam

Tweet
Share
Pin
Flip
Share
Buy this not that instant bestseller Wall Street journal banner

Filed Under: Budgeting & Savings, Career & Employment, Education

Author Bio: I started Financial Samurai in 2009 to help people achieve financial freedom sooner. Financial Samurai is now one of the largest independently run personal finance sites with about one million visitors a month.

I spent 13 years working at Goldman Sachs and Credit Suisse (RIP). In 1999, I earned my BA from William & Mary and in 2006, I received my MBA from UC Berkeley.

In 2012, I left banking after negotiating a severance package worth over five years of living expenses. Today, I enjoy being a stay-at-home dad to two young children, playing tennis, and writing.

Current Recommendations:

1) Check out Fundrise, my favorite real estate investing platform. I’ve personally invested $810,000 in private real estate to take advantage of lower valuations and higher rental yields in the Sunbelt. Roughly $160,000 of my annual passive income comes from real estate. And passive income is the key to being free. With mortgage rates down dramatically post the regional bank runs, real estate is now much more attractive.

2) If you have debt and/or children, life insurance is a must. PolicyGenius is the easiest way to find affordable life insurance in minutes. My wife was able to double her life insurance coverage for less with PolicyGenius. I also just got a new affordable 20-year term policy with them.

Financial Samurai has a partnership with Fundrise and PolicyGenius and is also a client of both. Financial Samurai earns a commission for each sign up at no cost to you. 

Subscribe To Private Newsletter

Comments

  1. Financial Samurai says

    May 13, 2012 at 11:40 am

    Classic, isn’t it? Theo does indeed make a valid point. Trying is hard. Failure is scary, but he’s young. Let’s go for it when we are young!

    Reply
  2. Untemplater says

    May 11, 2012 at 8:20 am

    I love that episode. I watched that show regularly growing up and learned a lot of good lessons from it. Making money and being independent takes work no matter what.

    Reply
  3. Money Reasons says

    December 29, 2010 at 8:07 pm

    Great message!

    If we don’t try to achieve and instead just settle and let life put us were it may… Someday we will look back and start rattling of the “What ifs”, and be disappointed with our life.

    If everybody just settle to be average, the world would be a pretty sucky place…

    Reply
  4. Mike- Saving Money Today says

    December 20, 2010 at 3:44 pm

    Great clip from the Cosby Show! I remember that episode, it was great. I didn’t get a lot of the humor when I was a kid so I enjoy watching the re-runs when I can.

    I guess there’s nothing wrong with “regular people” as long as you’re happy. But personally I have the hunger to learn and do a lot more than just settle.

    Reply
  5. Sunil from The Extra Money Blog says

    December 19, 2010 at 11:24 am

    not sure how much more clear and concise one can get after what BeathingTheIndex stated so eloquently

    i do disagree that time on this planet is short. it’s a matter of perspective i suppose. here is what i mean. for those that have not traveled very much, the world is tooooo Big. for others who have seen the world, the world is simply just not enough. it is too small

    Reply
  6. Monevator says

    December 19, 2010 at 7:15 am

    There’s an interesting book out called “The Age of Absurdity”, which I’ve got but have only half read so far.

    His thesis is that by trying to be all these things we can’t be — but are ‘told’ we should be, whether by peers or by the media/advertising — we’re turning our backs on the only things that can convincingly make us happy, which is love, family, friends, health etc.

    Food for thought. Poor Dennis Coleman had a bit of a troubled life though, from memory?

    Reply
  7. Financial Samurai says

    December 18, 2010 at 10:35 pm

    Thanks for your perspective and great on ya for going back to school! I truly believe education is the key to everything. I wish your kids the best.

    Cheers

    Reply
  8. 101 Centavos says

    December 17, 2010 at 5:56 am

    I remember that episode! Now, why can’t we have a show like this on TV today?

    Reply
    • Financial Samurai says

      December 18, 2010 at 7:44 am

      It’s all about the writing!

      Reply
      • 101 Centavos says

        December 19, 2010 at 12:10 pm

        agreed. There’s only so many talented writers working in the industry, not
        enough to go around.

        Reply
  9. First Gen American says

    December 16, 2010 at 9:36 pm

    You know, when I was in high school, my mom and I fought like cats and dogs. I had a minimum wage job and I distinctly remember 2 events that changed the path I took in life.

    Event 1, I worked 5 four hour shifts during Xmas at the mall..when malls were packed and it took 45 minutes to find a parking spot. I eagerly awaited my paycheck because I worked 5 days that week and it was like $112 after taxes. Revelation #1..minimum wage jobs are a tough way to get ahead.

    Event 2, I calculated how many hours/week I’d have to work to move out of my mom’s apartment and get a place of my own it was close to 80.

    Part time jobs are great for high school kids. It shows them how tough it is to make any kind of money in a “regular guy” line of work.

    Reply
    • Financial Samurai says

      December 16, 2010 at 10:04 pm

      Those are good revelations! I used to work at McDonald’s for $3.12 an hour and boy did it suck. BUT, it built perspective and character.

      Whatcha up to now?

      Reply
  10. Romeo says

    December 16, 2010 at 8:06 pm

    I needed this post–a nice break from my term paper. I think that we are incorrectly defining regular people by associating the regular with those who are struggling.

    I think regular is fine–and I wish I were regular sometimes. The “regular” are the ones who are less stressful about life in general. I think that it’ll be freakin’ sweet to sit on my butt all day like a “regular” person and not have a worry in the world. A doctor and a lawyer may earn lots of money, but they sure do work a lot more than the regular person.

    On the most basic level, the only thing that ALL of us really need is shelter, food, and health (and the Internet, of course). If these things were free, do you think that the majority of people would want to work?

    We extraordinary people are the ones who stress about living debt-free, building wealth, saving for retirement, making sure that our kids are well educated, educating other, resisting the “luxury” vehicles because we know that the decision is dumb although we secretly long for it, etc, etc.

    Like I explained in my 31 Oct post, “Ignorance. Well, it is bliss.”

    Reply
    • Financial Samurai says

      December 16, 2010 at 9:16 pm

      Did realize you are a student. Are you a college student? If so, what are you planning on doing upon graduation?

      Reply
      • Romeo says

        December 17, 2010 at 10:36 am

        Well, I’m not the “average” college student. I’m attending a grad school — already got an undergrad degree in EE. Have been in the military for about 12 years now, the last 5 of which being a submarine officer — a super anti-regular job if I may add.

        Reply
  11. Mark says

    December 16, 2010 at 4:33 pm

    That is one of my favorite episodes ever!

    Reply
  12. Miss T @ Prairie EcoThrifter says

    December 16, 2010 at 1:17 pm

    I agree with Do Not Wait. People may think they are happy momentarily but then they realize they want and need more. Many of us are driven to try new things and experience. I think this is the important thing to remember. We have the right to try and experience what we want and with what makes us happy. If what makes you happy is quitting your job to travel through the Alps, then go for it. Don’t worry about someone saying you need to think about your future, your career, your retirement. As long as your happy, that is all that matters.

    I think this is where people get confused and often aren’t true to themselves. They end up striving to be someone else to make someone else happy when really they should be doing what makes them happy. It all comes down to managing expectations and being true to yourself.

    Great post Sam.

    Reply
  13. LifeAndMyFinances says

    December 16, 2010 at 5:03 am

    I think it’s important to do what it is you feel lead to do. For myself, I can’t really picture myself working a corporate job all my life. I see the hours that the big bosses put in, and it’s really not all that intriguing! I’d rather spend time at home with my family.

    I have recently started a website about financial success. Now, while this website might bring in some advertising dollars, I understand that it will most likely not bring in enough for me to quit my job. But, perhaps it will allow me to be more flexible in my career choice. Maybe I can start doing what I love to do rather than doing what I HAVE to do.

    Reply
  14. Financial Samurai says

    December 16, 2010 at 12:36 am

    @BeatingTheIndex

    @Kevin @ Thousandaire.com

    @DoNotWait

    I don’t really get it though. If you want to be spectacular, you are going to try. If not, no big deal and just be a regular person. How can one be unsatisfied being a regular person if they don’t put in the effort to no longer be a regular person? Doesn’t make sense.

    Theo had a great life cruising in High School. That’s his reward!

    Reply
  15. Financial Samurai says

    December 16, 2010 at 12:34 am

    @Suzan @Forest – Oh my…. you two are missing out on the absolute most hilarious 4 minutes ever! Try and log on next time you are in a free-er country :)

    Reply
  16. Suzan says

    December 15, 2010 at 8:49 pm

    Can’t believe this video is blocked in this island country governed by China Friendly Ma! The Cosby Show used to my most favorite TV show!

    (The popped up message says “the video contains content from Carsey-Werner LLC” which has blocked it on copyright grounds.)

    I am a minimalist and so happy to be one. Don’t know what Dr. Huxtable has taught his son!?

    Reply
  17. doctor S says

    December 15, 2010 at 5:20 pm

    This is by far one of my favorite episodes of any show that has ever aired. It’s so simple and yet it has such a strong message that is often ignored by youth AND their parents that should be delivering it.

    But damn its hilarious watching Theo, his body language, and the disguist his dad’s face when he isn’t buying any of the rubbish that Theo is dishing!

    Reply
  18. Charlie says

    December 15, 2010 at 12:31 pm

    Thats one of my favorite episodes. I think Dr Huxtable said it all perfectly. I would never let my kids get away with Ds. Ds are not for regular people, Bs and maybe a C or A mixed in are for regular people. If everyone tried as hard as they could at work and in life think how much better the world would be. Kids especially need role models and strong supportive parents pushing them to succeed and reach their potential. Parents that dont care how their kids perform should be ashamed. Effort is the key, perfect grades are not.

    Reply
  19. Everyday Tips says

    December 15, 2010 at 8:16 am

    I remember watching this episode! Poor Theo, he always struggled…

    Teens can be so stubborn, but sometimes things sink in and you don’t know it until later. I know as a parent, I want my kids to do and say all the right things so I know they will be alright. However, it has to happen over time as kids need to mature. (And so do many parents.)

    Reply
    • Financial Samurai says

      December 15, 2010 at 8:33 am

      “and so do many parents” brilliant!

      If you showed this video to your daughter (please do) do you think she will laugh or find it annoying and be puzzled?? I’m fascinated to know!

      Reply
      • Everyday Tips says

        December 15, 2010 at 2:55 pm

        Well, my kids have been brainwashed since their time as a fetus that they will do well at school and they will go to college. My daughter is literally an A+ student and her goal is to get a free-ride to college. Therefore, I think she would roll her eyes at Theo and tell him to grow up. I did show the video to my youngest and he said ‘that sounds like a bad plan. Driving a bus would be boring, and I want more leftover every month than 200 dollars’. My oldest would think Theo was funny, but would not agree with him.

        I have told so many stories about where I grew up and what a bummer it is to have no money that I don’t think the ‘regular person’ plan would sound like a very good idea to any of them. But you never know, maybe I have harped on it too much.

        Great video Sam.

        Reply
        • Financial Samurai says

          December 15, 2010 at 5:32 pm

          Wow, that is so awesome that your kids are so motivated! Seriously, that’s like hitting the jackpot, which makes you Supermom!

          Reply
        • Everyday Tips says

          December 15, 2010 at 5:43 pm

          Well, we will see how they actually turn out. I did show it to my daughter (beforeshe and I went clubbing), and she thought it was funny, and agreed with Bill Cosby. She loved how after Theo was saying “Love me for Who I am”, and Dad said that was the stupidest thing he ever heard.

          Reply
  20. retireby40 says

    December 15, 2010 at 7:27 am

    Man, that was hilarious. I never understood the show when I was a kid.
    Being Theo’s regular person is perfectly ok. However, before embarking on that trip Theo needs to know it’s easy to go that route, but extremely difficult to get out of. Dr. Huxtable can change to be a regular person at anytime, but a regular person usually can not move up to be like Dr. Hux. I heard a story on public radio a while back about people dropping out of society to be homeless. The freedom is fun for a while, but then they get stuck and can’t come back. Life is rough on the street.

    Reply
    • Financial Samurai says

      December 15, 2010 at 7:32 am

      Really great points! It’s about having the OPTION to bring it down and then bring it back up again. I mentor a couple high school kids myself, and one always complains why it’s unnecessary to get good grades so long as they are learning. I ask him, “Why not learn AND get good grades to at least give yourself options?” Too cool for school perhaps. As long as he’s happy!

      The video is so hilarious, I had to watch it 5 times last night! Classic!

      Reply
      • Roshawn @ Watson Inc says

        December 15, 2010 at 8:16 am

        Philosophy, as I don’t think some younger people appreciate what’s involved in building a life because the lives that they envy is not their parents.

        I echo RB40 points…it’s the trap that is concerning. Once you become disenfranchised, then your options are so limited. It’s not impossible, but many will tell you it feels like a losing battle.

        Reply
  21. Kevin @ Thousandaire.com says

    December 15, 2010 at 6:25 am

    Theo thinks he would be satisfied with that life, and he might be right. But his father is telling him that he probably won’t be happy with being “regular people”. No one knows, but I bet Theo is happier if he follows Dad’s advice. He’s just too young to realize it.

    Reply
    • Financial Samurai says

      May 13, 2012 at 11:38 am

      To know then what we know now..

      Reply
  22. BeatingTheIndex says

    December 15, 2010 at 3:40 am

    The hardest part in all of this Sam? Finding satisfaction! If you are satisfied with your life, nothing else matters and you truly will enjoy your short time on this planet!

    Reply
    • Financial Samurai says

      May 13, 2012 at 11:39 am

      I think I’ve found it….. just don’t want to second guess.

      Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *


n

Top Product Reviews

  • Fundrise review (real estate investing)
  • Policygenius review (life insurance)
  • CIT Bank review (high interest savings and CDs)
  • NewRetirement review (retirement planning)
  • Empower review (free financial tools and wealth manager, previously Personal Capital)
  • How To Engineer Your Layoff (severance negotiation book)

Financial Samurai Featured In

Buy this not that Wall Street journal bestseller

Categories

  • Automobiles
  • Big Government
  • Budgeting & Savings
  • Career & Employment
  • Credit Cards
  • Credit Score
  • Debt
  • Education
  • Entrepreneurship
  • Family Finances
  • Gig Economy
  • Health & Fitness
  • Insurance
  • Investments
  • Mortgages
  • Most Popular
  • Motivation
  • Podcast
  • Product Reviews
  • Real Estate
  • Relationships
  • Retirement
  • San Francisco
  • Taxes
  • Travel
Buy this not that WSJ bestseller 728
  • Email
  • Facebook
  • RSS
  • Twitter
Copyright © 2009–2023 Financial Samurai · Read our disclosures

PRIVACY: We will never disclose or sell your email address or any of your data from this site. We do highly welcome posts and community interaction, and registering is simply part of the posting system.
DISCLAIMER: Financial Samurai exists to thought provoke and learn from the community. Your decisions are yours alone and we are in no way responsible for your actions. Stay on the righteous path and think long and hard before making any financial transaction! Disclosures