Complainer [noun]: a person who makes frequent complaints usually about little things
Here’s the ugly truth about why most people will never achieve financial independence:
They like to complain about their situation more than they like to put in the work to change their situation.
Most people love to drone on about all the reasons why financial independence is impossible to achieve. But for every complaint about how impossible it is, I have a response:
Complainer: I don’t have a college degree, so I couldn’t possibly earn enough money to be financially independent one day.
Well here are 50 jobs that pay over $50,000 that don’t require a college degree. You don’t need a degree to get paid well.
Complainer: But I don’t have enough free time to learn new skills to start a new job.
You do have free time, you’re just too busy wasting it on TV, social media, and Netflix.
Complainer: Look, even if I had a job that paid $50,000 that’s still not enough to reach F.I.
Then start a side hustle to increase your income.
Complainer: But I don’t even know how to start a side hustle.
It’s called the internet. Research how other people are hustling. Check out Financial Panther, who made $14,000 last year outside of his day job.
Complainer: Well he probably has more free time than me.
You can find time. Stop watching TV.
Complainer: Even if I did get a high paying job and started side hustling I still have too many bills to pay to save a lot of money.
Then downsize your home and lower your mortgage payment. Check out The Grumbys, a couple who downsized from a 1,400 square foot house to a 670 square foot apartment.
Complainer: I can’t downsize, what would I do with all my stuff? It won’t all fit in a smaller home.
So your stuff is more important than financial independence?
Complainer: No, it’s just that I need that stuff to live a good life.
You don’t need your stuff to live a good life. You’re making the mistake of thinking that your identity is linked to your stuff. You are not your stuff. Check out this article from the Minimalists for inspiration.
Complainer: Look, even if I did sell some of my stuff I would still have a house and car payment.
Then sell one of your cars.
Complainer: I can’t sell my car, I need it to get to work.
Then move closer to work so you can bike, walk, or take public transit. Mr. Free at 33 lived without a car for five years while working full time.
Complainer: But everyone I work with would think I’m a weirdo.
So their opinion of you is more important than financial independence?
Complainer: Well…I mean I just don’t have time to look for a new job.
You do have time. Get rid of your TV.
Complainer: But my kids watch 8 hours of TV everyday, I can’t do that to them.
Trust me, you’d be doing them a favor.
Complainer: Even if I did get rid of the TV, I just like to relax at the end of the day after a long day at work. I don’t feel like working on a side hustle in the evenings.
Then make time on the weekends.
Complainer: But my weekends are when I go golfing with the boys.
So golfing is more important than living a life of freedom?
Complainer: No, it’s just that I value my time with my friends.
Then invite them over for dinner and save money on the weekends. You still get to socialize but without breaking the bank. Check out how the Frugal Woods couple has a great social life without blowing a ton of money.
Complainer: Even if I did sell my car and move to a smaller house closer to work, one income just isn’t enough to support my family.
Check out Ty at Get Rich Quickish who has a family of 6 and is thriving on a single income in one of the least affordable cities in the U.S. It’s possible. You just need a plan and some discipline.
Complainer: Well he probably makes more than me.
Then see if your wife can start making money online from home. Here’s 23 ways people are making money online everyday.
Complainer: Even if I do all these things you say, I still don’t know how to invest my money.
Check out Jim Collins’ stock series, where he outlines in detail all you need to know to become a successful investor.
Complainer: But what if I lose my money in the stock market? I heard investing is risky.
Not over the long term. Refer to Jim’s stock series above.
Complainer: I don’t know if I can make all these changes. It sounds like one big hassle.
Do I need to remind you that this is the only life you have? You don’t get a chance to do this again. This is it. Who cares if you have to become a little uncomfortable, work a little harder than most, and make some sacrifices in the short term? Financial freedom is the ultimate reward. It gives you freedom to live life however you want, on your terms.
But then again, if all the stuff lying around your house, all the opinions of your coworkers, and the comfortable boring life you have now is worth more to you than the freedom to live how you want, by all means keep complaining. Keep making excuses.
But for the few people who aspire to live a life of freedom on their own terms, they don’t make excuses. They do what is hard so they can live a life that revolves around more than just working and paying bills. Whether you choose to complain about your circumstances or not, the choice is yours.
I strongly suggest using free financial tools like Personal Capital to track your net worth, spending habits, and cash flow to help keep an eye on your money. The more you track your finances, the better you get at growing your wealth!
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