The Year I Had
You know exactly what you spent. You'd spend it again.
Money is for using and you've made peace with that
You know your numbers without having to go look
Money is for the life you're living this year
Who you are
You track it, you don't flinch at it, and it goes into the present — trips, concerts, the good tickets, the long dinners. You're not disorganized; you've simply made an explicit trade, and you can defend it with actual numbers.
There's a real argument here that quiet savers rarely engage with: your twenties and thirties only happen at that age, and a certain amount of experience genuinely can't be bought later at any price. You're not confused about the trade-off. You made it.
The part worth checking is whether there's a floor underneath. Living for now works beautifully until one unexpected month arrives, at which point it converts into debt and the trade stops being a trade.
Three months of expenses, sitting somewhere boring. That's it. With that in place, the rest of your approach is fine and you can stop hearing about it.
You know it's you when…
- You know what you spent and you stand by it
- Your best year cost money and you'd pay it again
- The only real question is whether there's a floor underneath
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