Why having a job is a bad financial decision

“The starting point of all achievement is desire”
Napoleon Hill


Do I honestly believe having a job is a bad financial decision? For a few people people no. Having a job is the only option if you are afraid, incompetent and lazy. For anyone else especially readers of this blog I would say – absolutely I believe a job is a awful financial decision. It’s also a terrible happiness strategy to boot!

In a nutshell I feel like jobs are stupid and possible outdated now.

Why would any capable person voluntarily cap their income? Work harder – get paid the same. Create massive profit or value for your company – get a 2% raise. How is this a good financial decision? Seriously?
Why would any capable person pass their economic future over to a company to manage? A company could fire you whenever they can get the same value from someone offshore for less money. Jobs are not a financial security plan.
Why would a capable competent person put up with the boredom of a 9 to 5 for a paltry economic return when they could potentially make double the money with half the effort in half the time?
Why would anyone continue to trade their time for money when we now live in a world where that model is fast becoming obsolete?

If you are lazy, stupid and scared then the 9 to 5 grind is for you.

However, if there is even an ounce of spark left in you then chose the hustle and give yourself a shot at the life and freedom you deserve. The hustle is the only sane reaction to one’s financial needs. It doesn’t matter how old you are. It doesn’t matter if you just need to feed yourself or if you also have children to feed.

The choice is to settle for the crazy financial situation of a job or quit that crap job to go get’r done chasing a dream (which in my opinion is a far more rational approach to the problem of making money in this world!).

Life on the lamb

“Live without fear. Edit without mercy!”


Sometimes life is too interesting to faff about on computers. Recently that’s been particularly true for me. Lots of time has past since my last post.

I’ve been slinging random thoughts about simple living up here for a few years and now I really think it’s time to do an audit of the content I have on this site.

The plan is to do a full review and edit all of the published articles. Hell I’ll probably delete a good few in the process. Others I plan to consolidate and cut out the words that waste time.

If I get really excited I might even get rid of the ugly site design (probably the most common comment I get). I’ve always loved substance over superficial things, but in the digital age a pretty website means your message has stronger legs. I always knew that, but I’m free spirited and to be honest I never really cared.

In other news I sold all of our property. Not on a whim, but not really on a plan. I did this privately due to my hatred of real estate agents.

That has resulted in a very significant bump of money going into our freedom fund to the point that even just interest on cash is potential enough income for my lovely lady and I and two dependents. Yes we had another one – finances be damned.

I’m still bristling with topic ideas and I have a lot more to share, but first comes a major edit. My house isn’t cluttered, my mind is low weed maintenance so why is this website?

Time to spring clean my friends.

Have fun making a little extra money on the side

“When I have a little money, I buy books; and if I have any left, I buy food and clothes.”
Desiderius Erasmus

I’ve always felt that money doesn’t matter until you don’t have enough. While that is true its also a fact that a little extra money, even if it is only a few hundred dollars, can make a massive difference to the ease and quality of your life.

That is why this year I am going to refocus around the theme of making just a little extra money on the side.

In writing this blog I’ve come to understand that many people see the transition to simple living as idealistic hippy talk. I often get an “I’m a realist. I don’t live with my head in the clouds. I’ve got bills and a mortgage to pay” reaction when I promote simple living as a happiness solution. I realise now that for most of us the thought of leaping off the cliff of full-time working into the swells and tides of entrepreneurship is just too daunting. The transition is to great.

In contrast making an extra $50 a week or making an extra $100 a fortnight or $1000 a month sounds possible.

If you are in that frame of mind then please join me and make a commitment to make a small side income this year. You don’t need to quit your job, grow a beard and eat any garbanzo beans (unless you love them like me).

Start this journey by picking a figure that you think is achievable. Set that target.

For now please pick a number that isn’t scary, but is inspiring enough that having that income would make a material improvement in the quality of life. Fire goals like $2 per week and trade up to targets of say $200 instead.

Don’t worry about how you can do this just pick a number and ready yourself to take some action to achieve it.

Post holiday trudge back to work

“There is a melancholy that stems from greatness”
Nicolas Chamfort

Christmas has past and for many of us that means we spent way too much money on one nice morning with out kids, a decent lunch with our extended families. Perhaps altogether too short holiday as well.

It’s like we scrimp and save and forgo all year to have a little savings that we blow in one orgy of consumerism over the Christmas period.

How the bankers must laugh at us.

Now though the zeal of holiday time with family is giving way to the stark reality of returning to working life. The inadequate pay, the dorky coworkers, the crappy boss, the deadlines and the stress.

This year is the year to make a change and I want to help you. Beginning soon I am going to start to shift the focus of this site. I want to help you to discover a life without working in a job you hate.

There are better ways to support your family.

Look out for details starting in the next series of posts.

5 Simple Living concepts I got wrong and don’t promote anymore

“By three methods we may learn wisdom: First, by reflection, which is noblest; Second, by imitation, which is easiest; and third by experience, which is the bitterest”

We’re all on a journey.

Me especially.

So many things have changed in my life in the shortest time.

Largely my life looks pretty conventional, but behind the scenes I feel like a Duck in a pond.

My head and body look calm, but under the water my feet are paddling a hundred miles an hour!

I’ve made more than a few mistakes. Here are the 5 things that I used to promote, but that I don’t anymore.

1. Simple living as sustainable or self sufficient living. We’re living in a society. There is no need to do everything alone. Besides sharing is fun. Why go it alone?

2. Simple living is action oriented. Not true. Mostly the simplest choice is no action at all. Often it is about reframing the activity or event to let myself recognise that I need play no part. What is happening is okay and I don’t need to control things.

3. Not doing stuff because of what ‘people’ might say. I used to have this baggage about wearing the same sweatshirt everyday. I felt like people noticed and that they were probably talking about me behind my back. Now I figure people are so busy and so into their own shit that there is no chance that I am their dinner table conversation.

4. Overmending stuff that didn’t really work in the first place. I’ve grown up. Some stuff just needs to go to landfill. Not everything is a treasure to be saved.

5. Searching for good news about bad habits. There are certain things that we all know are bad for us and the simplest choice is to stop doing them, but I was always ears out for reasons that justified the stuff I was doing that I plumb knew was wrong (think eating meat, eating fried fluorescent foods, smoking, being an aggressive parent – or whatever). Eventually I learnt about the concept of bad faith and from there I just had to man up do what I always knew to be correct. It was uncomfortable. It was hard and truthfully it was no fun at the time. Now I look back and future self thanks past self for being brave.

How about taking a leaf and executing one of your bad habits right now?

Our soil nature

“Emancipation from the bondage of the soil is no freedom for the tree”
Rabindranath Tagore

Life sure moves fast.

It can be loud, bright, complicated and stressful.

At those times it pays to remember your soil nature.

You eat food.

You accumulate a food body that is made from the food you eat.

That body grows, changes and declines until one day it returns the loaned food to the soil.

If you wish to become soil sooner neglect your vessel.

Ignore what passes your lips.

Otherwise care for your food body and it will transport you on a ride called life.

Care, but there is no point attaching to this food body for it is temporary and how healthy is it to attach identity to that which is loaned anyway?

We will become soil and so we must check in and ask ourselves if we are using our opportunity well.

We will all return to soil.

So ask yourself: Is my right use to labour for a crumby company in a mediocre industry or is there some better use of this gift that I have been given?

When you have your answer, no matter the barriers, do that and you will be happy.

The single greatest problem with frugal living

“It’s the intelligent thing to be frugal”

Chuck Feeney


There are lots of frugal communities on the internet. There are discussion boards, groups, blogs, tweets and websites.

There is nothing wrong with frugality, but one of the themes that I see is poor people remaining the working poor because of frugality and I find this very sad.

I’ll illustrate by telling you about my sister in law.

She and her husband don’t have a lot of money.

They both work hard and are outstanding people, but their jobs are never going to make them millionaires. They have a largish house with a mega mortgage and two young daughters with lots of hobbies and interests.

Consequently they have developed an amazing ability to find the greatest deal imaginable.

I mean it.

In fact they are so good that if I ever need to buy something I will get them to source it for me and mostly I will get an unbelievable deal.

So what’s wrong with this?

Nothing, except that they have absolutely no savings and they are not making any progress with their mortgage.

So here’s how it works.

Everything that they buy is the cheapest version available and that doesn’t mean the quality is always so good.

They find such good deals that they buy stuff they never use. To them the deal is so good that they need to make the buy rather than leaving money in the bank.

Together they are so effective at finding specials that they can easily spend their entire income every period.

That’s the wrong goal though right?

If the choice is:

1. Buy something high price/high quality (buy it for life)
2. Buy something that is the minimum viable and cheapest product
3. Save the money and don’t buy anything

Our family takes option 3 and gets creative to solve the problem without buying something (often we can).

Their family goes for option 2 even when they don’t need the thing that they are getting a deal on.

Also the stuff they buy isn’t very good quality.

If I am going to buy something I am happy to part with money to get the absolute lightest, strongest, most functional and best item (option 1).

I want to buy it now and use it for the rest of my life. If I can get a deal like that I am happy to pay $400 as opposed to the $12 item that will break in a year.

That said I mostly don’t buy anything. Option 3 baby!

Unfortunately, I see a lot of frugal people out there that are like my sister in law.

They are frugal because they want to have more money, but without a saving/investing habit they are always going to be terrible with their money no matter how much they ramp up frugal in their lifestyle.

Worse, a lot of these frugal guru’s are really just spammy internet marketer types that make their living spamming channels with affiliate links that they are paid.

There can be a gigantic chasm between being frugal and being a saver. Don’t let a frugal focus distract you.

Saving is King, Queen, Prince and Princess!