The answer to this question, at least for me, is anything I can do with no financial stress in my mind.
Reaching almost halfway through life assuming everything remains normal, what I learnt is that freedom is the best thing that we can achieve in this world.
Among many different kinds of freedoms, financial freedom remains number one in the modern world.
Don’t get me wrong I’m not free from payments yet, I’m also struggling to make them, but I can smell and feel the sense of what if I don’t have to make any payments.
This is just my answer but yours might be different, but I’m pretty sure that at least nobody hates freedom irrespective of its nature.
Humans are designed to love freedom from evolution.
That may be the reason that Immanuel Kant, a German philosopher and thinker, said “Every rational being has both an innate right to have and preserve freedom.”
No payments to make means more choices
I want to do whatever it takes to create that freedom because I know now that it unlocks so many potentials in our lives.
Not having mental restrictions, boundaries, and stress presents many choices.
And the fact is more choices obviously give more freedom.
More freedom gives peace in our mind.
Ultimately peace leads to joy.
And joy is nothing but the sense of fulfillment. Some of us might have somehow experienced it in some of its forms, fulfillment is what we all are striving for.
Author Deepak Chopra, MD, in his book “The Ultimate Happiness Prescription” says, “When we are happy and fulfilled, we make choices that naturally lead to success in various aspects of life.”
Restrictions, boundaries, and stress clutter the human mind.
No need to make payments is a big decluttering state, by which we will create more space in our mind.
When our mind isn’t preoccupied by limitations and financial stress, we can focus on things that we always put on hold, they were not important before but they become more important now.
Our priorities dramatically shift with intention.
You may ask what kind of priorities.
Like, we become more present with our kids, parents, and spouse at home.
We become more focussed even at our own work, projects, and any tasks that we really care about.
Words naturally come out of our mouth “I don’t have any obligations, this is just me, there would be no severe consequences of not finishing it as per specified date and time.”
Guess what happens, we enter into our creative zone.
Here is one example of what I experienced two years ago.
John Cleese, author of “Creativity”, explains about the power of the unconscious to solve creative problems from a creative zone.
Two years ago I was working on a research project at night, and couldn’t find a way to proceed. I gave up and went to bed.
Surprisingly, I discovered a beautiful way to proceed early in the morning.
I thought about what happened, I realized that my unconscious mind was working without me being consciously aware of it.
This kind of creativity pattern works at its maximum level when our mind is free from tension and stress.
Having the freedom to do anything creative that we like is the best success we ever achieve in this world.
But very few of us have this luxury.
No debts means deep goodnight sleep
We all have to make payments because we have debt in the name of mortgage, credit card, car payment, student loan, insurance, and personal loan, few major of them.
These are essential to survive but also the major life traps that we have in modern life.
Debt steals freedom from our paycheck.
Debt robs us our future freedom by demanding that we pay for the past.
Debt is our freedom killer.
Accept it or not, debt is a chief thief of our freedom.
Debt binds us in a certain situation, place, obligation, and we become a hamster on a wheel.
Stacy Johnson, author of “Life or Debt” says, “Destroying debt does not mean radically changing your lifestyle or giving up the things you love. It does mean taking charge of your financial freedom and making sure the money you earn goes to the things you care about.”
The harsh reality is that we will never win the time as long as we have to make payments for the decision we made in the past compounded with recurring interest.
Just today only, I had to skip my morning yoga because I had to attend an early meeting in my office.
I already compromised my health, my creativity, and my happiness for today.
These all seem intangible at the moment because I’m relatively young now, I can skip today, but they all become quite tangible pretty soon in my future life.
The hard truth is everything adds up in life, one piece at a time, that may be health, relationship, finance, and happiness.
It’s not just today or yesterday, they all will make a wheel and we will lose the battle over all of them.
As long as we continue justifying, rationalizing, and normalizing our life with these kinds of compromises we will always be suffering.
And suffering sucks.
In my view, normal is suffering.
Normal is living paycheck to paycheck all life.
Normal is working our whole life like a hamster on a wheel suppressing our inner desire.
Compromise is the worst form of suffering and it absorbs all of our mental energy, that’s what I experienced by skipping my morning yoga.
Skipping important tasks like building health and relationships is a compromise and gets us nowhere but in the zone of frustration and dissatisfaction.
Ask yourself, if you don’t have to make payments, do you skip the important tasks like yoga in the morning and your daughter’s parent teacher interaction?
No payments to make means more hope
Human psychology is amazing.
Every small win motivates us to keep going.
I started to believe in this process because I was getting this nice pat on my back called success.
As humans, this nice pat on the back is critical for changing our behaviours, habits, and to stay motivated.
When we do something difficult or for the first time, we need to see progress otherwise we’ll quit.
I always remember Florence Nightingale’s statement, “I attribute my success to this: I never gave or took any excuse.”
My personal experience, if we give or take any excuse in life, then there remains no more hope for progress.
We work on new things because there is hope that something will happen sometime in the near future.
Hope is psychology and it works.
Dave Ramsey, a finance expert and author of “The Total Money Makeover” says “winning with money is 80% behavior and 20% head knowledge.”
In my experience, winning in anything is 90 percent behaviour and habit, and only 10 percent knowledge.
I realized this only after completing multiple marathons in my life just by following daily habits.
I gained more hope for freedom once I reached the stage that there are no more car payments to make.
In my view, we notice at least four things when we achieve some level of freedom.
It could be something small like no more overtime work because we want to run in the evening or something bigger like no more car payments to make or something even more bigger like no more mortgage payments to make.
–We bring attraction. We become attracted to new people, new projects, and new places which are more aligned with our heart and mind. This happens because we have time to associate with them.
–We develop authority. We gradually develop authority because we learn a lot from our keen interests which we habituate from freedom. For example, I can teach beginner runners the different aspects of running like physical, psychological, physiological, dietary, and rest.
–We develop attachment. Now I have many runner friends with whom I’ve built a community.
–We take action immediately. Immediate action becomes our next friend. No waiting and no procastination because the key task remains very close to our heart. We decide quickly because we become serious about it.
No payments to make means more generosity
Each one of us has some kind of knowledge and expertise for what we do and what is important, no question about it, we only need consistent habits and generosity to show up.
Generosity is not a single word, it has physiological, emotional, and psychological consequences.
At the end of the day, if we have freedom to operate, we become more generous on anything that we want to achieve.
Stephen G Post, PhD, author of “Why Good Things Happen to Good People” found that when we become generous in anything, our brain produces happiness chemicals like dopamine and oxytocin.
Scientifically, it’s always better to give, to show up, to contribute than to receive.
Dr. Post’s research elaborates the astonishing connection between generosity and health.
It is so convincing that it will inspire all of us to change our lives in ways big or small.
A longer, healthier, and happier life awaits generosity and it can change each one of us in this world.
Generous attitude is inspiring and contagious.
It is the path of self-healing and growth for something larger than ourselves.
Research indicates that generosity lowers stress level because it is the main cause for chronic diseases and heart attacks.
Research also indicates that people who do volunteering at least four hours per week are less likely to develop blood pressure than those who don’t volunteer.
Volunteering is a generosity.
Conclusion
My daughter is in tenth grade and nowadays she does a lot of volunteering when time permits her and says “Generosity is human to human connection.”
I completely agree with her that humans are innately complex creatures yet always strive for simplicity.
Our challenge as humans is finding, understanding, and explaining our complexity in its most simplistic form.
Probably, that’s the reason Leonardo da Vinci said, “Simplicity is the ultimate sophistication.”
Generosity is one way to make things simple in life.
I recently repaired my car in an auto repair shop.
I left the car all day in the repair shop, headed for the office to pick it up in the evening.
When I reached to pick up my car in the evening they returned my keys with a branded key chain encoded with their social media icon.
Excellent marketing, isn’t it?
But what I saw is a big generosity in marketing but I’am pretty confident it works because they are being very generous to their customers.
In my opinion, generosity is being entrepreneurial.
I love TedTalk from Adam Baker, his inspiring story: Sell your crap. Pay your debt. Do what you love.
I recommend to watch.
I don’t know who said it but it’s worth repeating here, “True happiness is a bank account with zero balance, not because you have no money, but because you have no bills to pay.”
Yam Timsina, PhD, writes primarily on health basics, scientific progress, social upliftment, and value creation.
Disclaimer: “Please note that some links in this post are affiliate links, which means I may receive a small commission if you make a purchase through them, at no extra cost to you.”