Take a Breather, Then Get Back In the Game!

Last night, our family returned from our annual lake trip. Lots of pool time, too many good eats, and countless memories filled our time together. While I always look forward to this trip, I'm equally excited to return.

While I absolutely love these family trips, I think context is important. For many, vacations are an opportunity to temporarily escape the rigors of life. Considering 70% of Americans either dislike or hate their job, I suspect more people than not can relate to this concept. Vacations and time off allow us to receive temporary relief from a day-to-day, week-to-week grind that simply wears us down. I can relate to this feeling, though it's getting further in my rearview mirror.

These days, my family vacations feel entirely different. I'm not escaping anything, because I love my day-to-day, week-to-week life. Instead, my family vacations offer me the opportunity to take a breather. It's a time to catch my breath, get my bearings straight, and regain my focus, so I can jump back into the game with fresh legs. I look forward to the break, but I'm just as excited to get back on the court as I was to get some rest.

I couldn't be more excited to get back to work next week. Lots of good things are in store. People to serve, impact to make, content to create, concepts to launch. But the breaks are important. If we're not able to catch our breath, we aren't able to give our good work everything it deserves. While I don't feel fully rested (traveling with two six-year-olds....), I have a renewed focus and excitement for what's about to happen.

Can you relate? If so, that's so amazing. If not, just know that reality does exist. You don't have to pursue it, but just know it's out there. A life where we look forward to returning to everyday life as much as we look forward to our vacations. It's beautiful.

Pick Your One Thing

I was recently talking to a frustrated parent who was sharing their displeasure with their grown child’s financial habits….or lack thereof. In the conversation, they listed a dozen things this young adult needs to do better in order to get their financial life back on track. Things like stop spending on frivolous things, save more, get an emergency fund, get a second job, pay off their debt, start investing……and the list goes on and on. These things very well may be true, but there was a problem. If this young adult actually tries to do all these things, they will inevitably fail. They can’t go from having little-to-no healthy financial habits to implementing a dozen new things into their life at once. That’s a setup for defeat. It’s like telling me - who wants to get in better shape - I should run 3 miles each morning, do some yoga during lunch, and lift at night……7 days per week. There’s no chance I make it even 4 days doing this. Personal finance is the same.

If I were sitting down for coffee with this young person, I’d tell them to pick one thing and get really good at it. Any one of them would move them in a positive direction, but they must pick one and focus hard on it. Through repetition, they will create a stronger habit and continually get better at it. Eventually, it will just be something they do, like brushing their teeth.

For most people, the best and most effective place to start is to get in the habit of budgeting. Accounting for ALL income they have coming in this month, making sure each dollar has a purpose (spend/save/give), executing that plan, and tracking their progress. Then repeat again next month. The first few months will likely be ugly, but give yourself grace. Learn from the experience then do better next time. In a handful of months, you’ll wonder how you ever handled your money without a budget. Once you lock down this habit, all the other aspects of personal finance become accessible.

Even if you do well in this money arena, there’s always room to grow. What’s your one thing for this season of life? What one thing will you implement to enhance the quality of your life?