Simple, But Hard

When talking to friends and acquaintances throughout the course of life, I regularly hear criticisms and complaints about financially irresponsible people in their life. Maybe it’s their grown child, neighbor, sibling, friend, or colleague. Since I’m the guy who helps people with money, they perceive me as a good outlet to vent these frustrations.

On one hand, I completely get where they are coming from. We should handle money better…..and doing so is simple. However, just because it’s simple, it doesn’t make it easy. I believe personal finance is really, really simple, and really, really hard. Telling someone in your life to “do it better” is a fool’s game. That would be like me unsuccessfully trying to rotate the tires on my car and having my mechanically inclined brother-in-law tell me to just “do it better.” It may be simple, but it’s hard. I was never taught, so how would I know how to do it?

But here’s where it gets beautiful. If I desire to learn how to rotate tires AND my brother-in-law is willing to teach me, I too will learn the art and science of rotating tires. It’s simple, but hard.

Finance is the same way. If there are people in your life who struggle with finances and have the desire to get better, you have the power to teach them or connect them with the resources that can. It’s simple, but hard.

If you’re looking for a cheap and simple resource, we have a podcast. It’s free, it’s good (I’m totally biased), there’s a ton of content (170+ episodes), and its packaged in succinct 10-15 minute bites.

"Throwing Away" a Career

Sometimes people tell me one of the reasons they don’t want to follow their dream is because they don’t want to “throw away” the career they’ve spent so much time and so much energy building. There is a mentality that this singular, specific job is what matters. It’s not, and as long as we think it is, we miss the bigger picture. What matters is the experience, the skills, the relationships, and the growing you’ve achieved during your time at the job. Nobody can take away any of those things from you. They can take away your desk, and your computer, and your telephone, and your paycheck, but they cannot take away the growth you’ve experienced during your tenure.

People also seem to have the mindset their old career was a total waste of time if their new career sends them in a different direction. Even if your dream is a total one-eighty from your prior career, you wouldn’t be where you’re at had you not attained that priceless experience, those valuable skills, those meaningful relationships, and all that growth. Take me, for example. I’ve wanted to be a writer for as long as I can remember. Early last year, at 37-years-old, I was sitting on a plane with my wife lamenting the fact I hadn’t written in nearly two decades. Her response: “well, then write.” Wow, that was obvious…..and blunt. My response was something along the lines of “well I’m probably going to be terrible since I haven’t written in so long…..blah, blah, blah.” So I spent the next few hours writing. What’s odd about that experience is the words flew out of my brain and onto the screen with very little effort. It felt really good! I was dumbfounded. How could I not write for nearly 20 years and then have it feel so natural?

Then it hit me! Everything I was telling myself was a lie. I write all day, every day. E-mail after e-mail after e-mail. Report after report after report. It may not be creative writing, but it’s writing nonetheless. Fast forward to when I decided to “start writing.” I opened a blank Word document and it was as if the floodgates had opened. I didn’t think I had it in me to just sit down and write, but all of this experience and acquired skill came flowing out. As I venture into this season of life, I love those little moments where I realize how something I’ve been doing for 10, 15, or 20 years will become immediately relevant to my current journey, but in a new way.

When I think about this topic, so many people come to mind. However, none more so than my friend Anna DeHamer (formerly Prins). Anna was a basketball player who was tremendously gifted in both height (6’7”) and talent. She was the 2009 Colorado Gatorade Player of the Year, was named All-American honorable mention both her junior and senior year, amassed a 106-4 high school record, and won three consecutive state titles (**season-ending injury mid-freshman year prevented the possibility of an even more absurd fourth title). She went on to play Division I basketball at Iowa State University, where she became one of the biggest rivals of Brittney Griner (women’s basketball legend!). Anna went to the NCAA Tournament four times, making it as far as the Sweet 16. As her collegiate career came to an end, she was blessed further by being selected as the 23rd overall pick in the WNBA draft.

I don’t say all this to brag about Anna. In fact, she’ll probably cringe when she reads this (she’s overly humble like that!). I tell all this to you because of what comes next. Anna walked away from basketball. Here’s a woman who spent her entire life building a basketball career. All the accolades, all the fans, all the achievements……..to eventually get drafted into the most prestigious league in the world…….and she walked away. I didn’t know Anna personally during this season of her life, but I suspect the world looked at her as if she was crazy. Basketball had blessed Anna for more than a decade, and there was more possible blessing to come, but she had a new dream. She wanted to get married, settle down, and become a teacher. And that’s exactly what she did. She “threw away” her basketball career, left the limelight and the identity the world put on her due to her basketball prowess, and she set out to pursue a new dream.

Anna got married to her now-husband Ryan and found a job as a third-grade teacher. She took all her life experience from sports, and education, and life, and channeled it into the lives of malleable young people who wanted and needed a role model. She taught them, she encouraged them, and she helped make them better people. She was living out her new dream, and life was good. Several years into her teaching career, she started to feel a nudge for something different, and a new dream started to take form.

In another decision that’s considered counter-cultural in our world, Anna “threw away” her teaching job to start her own company where she offers professional basketball training (www.hammerbasketball.com). Today, Anna trains young basketball players to elevate their game and their character to a higher level. Pretty different than teaching third grade, but the skills she gained from her teaching career have directly impacted her new career. Teaching kids, encouraging them, helping them be better people. Totally different……but not. Some might look at her journey and say she “wasted” all that time teaching if this basketball training is ultimately where she’s supposed to be. Conversely, I would propose she’d never be where she is today without first teaching third grade. Those experiences shaped her in very profound ways, ultimately making her a better basketball trainer. That’s what’s fun about work that matters. It’s not linear, it’s not clear, and it’s not obvious. But when we look back, it all makes perfect sense. Basketball prodigy, turned third-grade teacher, turned professional basketball trainer for young people. Nobody could have seen that coming, but hindsight truly is 20/20. Anna is exactly where she needs to be, and it wouldn’t surprise me if someday she “threw away” something else in the pursuit for her highest and best purpose. I’m proud of my friend Anna, and her journey is an inspiration to me each and every day.

“That’s what’s fun about work that matters. It’s not linear, it’s not clear, and it’s not obvious. But when we look back, it all makes perfect sense.”