Affluent Savvy
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At what point are you considered broke?

You're living paycheck to paycheck. If you're spending every dollar you take home, you are, by definition, broke. More than 75% of Americans are living paycheck to paycheck (with little to no savings), which means that, right off the bat, at least three-quarters of us are impecunious. 2.

theminimalists.com - 11 Signs You Might Be Broke - The Minimalists
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By ·

You might be broke if…

1. You’re living paycheck to paycheck. If you’re spending every dollar you take home, you are, by definition, broke. More than 75% of Americans are living paycheck to paycheck (with little to no savings), which means that, right off the bat, at least three-quarters of us are impecunious. 2. You have credit-card debt. There’s no such thing as “good” debt. The debtor is always slave to the lender. 3. You have student-loan debt. Read our lips: THERE’S NO SUCH THING AS “GOOD” DEBT, DAMMIT!

4. You have a monthly car payment. Ahem.

5. Your income dictates your lifestyle. It should be the other way around: we should work to earn enough money to live, not live to earn enough money to buy shit we don’t need. Until he breaks free from consumerism, the hoarder is slave to his hoard. 6. You aren’t saving for the future. We know, we know: you’ll start saving “tomorrow.” But of course tomorrow never comes, because tomorrow will be today tomorrow, and tomorrow’s tomorrow will never be today. Ergo, begin today. Your life literally depends on it. See 5 Difficult Steps Toward Financial Freedom. 7. You’re not healthy. Unhealthy equals depression. Yes, if you’re unhealthy, statistics show that you’re likely depressed. If you can’t enjoy life, no matter how wealthy you are, then you’re broke in a different way: you’re broken. The richest man in the graveyard might have the most lavish tombstone, but he’s still dead. 8. Your relationships are suffering. Too often we forsake the most important people in our lives in search of money or ephemeral pleasures. We believe that our loved ones will always be around or that “they’ll understand.” But when you’re careless with something for long enough, it breaks. 9. You argue over money. Troubled relationships tend to end for one of two reasons: arguments over money or arguments over sex (or both). Even if the relationship doesn’t end, it is difficult to grow if y’all’re constantly bickering about finances. (P.S. If you’re arguing over sex—or the lack thereof—then something’s broken.) 10. You’re not growing. It doesn’t matter how much cash you earn: if you’re not growing, you’re dying. We feel most alive when we cultivate a passion, drudge through the drudgery, and live our lives with purpose, autonomy, and mastery. 11. You don’t contribute as much as you’d like. Your worth isn’t determined by your net worth: real worth comes from contributing beyond yourself in a meaningful way. It was MLK who said, “Life’s most persistent and urgent question is: what are you doing for others?” Giving is living, and it’s much easier to give when you’re no longer worried about money. Being broke is okay. Being broke without a plan to break the cycle is not. You see, given the above criteria, we’ve all been broke at some point in our lives—everyone has been broke or broken. True, we all need money to live, but you are not the contents of your wallet. What’s more important than income is how we spend the resources we have. We personally know broke people who make six (or even seven) figures a year. We also know families who live on $25k per year but aren’t broke at all—because they live within their means: they live deliberately. Real wealth, security, and contentment come not from the trinkets we amass but from how we spend the one life we’ve been given.

Read this essay and 150 others in our new book, Essential.

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What are the 5 mantras?

A mantra is simply a word or phrase that has meaning for you. This meditation consists of five mantras—or five words—each of which you repeat for one minute. The five words are the following: Release; Peace; Tranquility; Love; and Joy.

daringtolivefully.com - The 5-Word Mantra Meditation - - Daring to Live Fully

The 5-Word Mantra Meditation

Meditate for five minutes a day by focusing on five beautiful mantras.

The 5-Word Mantra Meditation is a five-minute meditation that I came up with and which I use every morning to help me start the day off right. I find it’s very effective, and I wanted to share it with you. Meditation is bringing all of your awareness to the present moment. One way to achieve this is by repeating a mantra over-and-over again and placing all of your attention on the mantra as you say it. A mantra is simply a word or phrase that has meaning for you. This meditation consists of five mantras—or five words—each of which you repeat for one minute. The five words are the following: Release; Peace; Tranquility; Love; and Joy. I’m going to say each of these words for one minute, and you just silently repeat each word as you hear it. The meditation is accompanied by a beautiful piece of music which is called Ofelia’s Dream, and it’s from www.bensound.com. Here’s the meditation:

I hope you enjoyed it!

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