Financial Farming

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Can you eat seeds and plant them at the same time? No? Similarly, you will never become rich by frivolously spending your cash reserves. Only deploying that money in the right conditions for growth will yield the fruits of your labor. Otherwise, you’re farming on somebody else’s plot.

I find that college students rarely follow this mindset, despite being in the best position to reap its rewards. I’m not suggesting misery; being unhappy makes you less productive. Optimize your expenses to achieve happiness now and in the future.

My unjustifiable expense is coffee. A good friend of mine prefers hair products. Find your “cheat” expense and stick to it. You feel a lot less guilty of that cup of coffee when you can justify every other item on your balance sheet.

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