Breaking the Pirate family curse

“One day you wake up behind on your dreams and behind on your bills”

Les Brown

In the past I’ve written about how much I like free stuff. I’ve written about minimizing and eliminating bills and I’ve also written about my letterbox turnaround. My letterbox thing was like a turning point in this life lived on simpler terms. See back in my old slave life every time I opened that portal of darkness my hand would return with a bill and I’d be owing some robber baron more of my hard earned money. Bills on bills on bills. Some junk mail advertisements and then even more bills and I hated it.

Then I started saving and I invested like $1500 in the sharemarket in a really crumby company. A few months later amongst the masses of bills was a cheque for $13.86. It was a 2% return, but I distinctly remember it because I nearly threw it away. An epically pathetic return, but a life changer for sure. Over time many of our bills have disappeared. Other bills are now a small fraction of the original outgoing. More and more my box is stacked with cheques for tens, hundreds and occasionally thousands in dividends and share reinvestment issues. Just the other day my small son and I did a wee dance over a cheque for $6 bucks. To him finding money in the mail is normal. Just part of life.

Yet think about this. My great great Grandfather (the guys whose nose is on my face) never received any money without working until he was in the twilight of his life. The same goes for my Grandfather, my Father and almost every other relative I’ve ever had back to pirate times. Not being sexist here commenting only on patriarchal lines because as you go back women didn’t have to work. One working adult could feed a family. Not the story today. Two working parents committing 60 hours a week each at mcjobs can still be back peddling.

So you see me and my little fella might well dance over a $3.40 dividend. He normally shouts “we’re rich” or “I’m a genius” as I open the envelope. I have no idea why he says the second thing, but it’s pretty funny. And well we should celebrate. For him life as an idle investor is the norm. It’s likely how he’ll live his life and what he’ll teach his children. Hopefully when he’s older I’ll be providing him the gearing for his first rental property.

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