Financial Gratitude

Right now there are many people in the UK, and elsewhere around the world, struggling more than ever before when it comes to the cost of living. Rising prices in groceries, utilities, petrol, and also interest rates which will push mortgage payments higher.

With all that's going on around the world in conjunction to these financially harder times, I wanted to use this article to show a bit of gratitude for the position that I am in.

Firstly, despite rising living costs I am personally in a stable and secure position financially.

This is largely thanks to the roots I've been laying for the better part of the past decade thanks to the financial independence movement. While much hard work has been put in, it would be wrong for me to say that luck wasn't involved.

We've never seen such a long running bull market which has made consistently investing into the market an easy thing to follow.

We're used to having a wide range of options when it comes to passive index funds and various platforms of institutions that we can purchase from - something that hasn't always existed.

And there is an abundance of learning material out there that we have access to, even if some of it is kind of whacky.

As a result I have been the beneficiary of a sort of "golden age" in which I could build up my wealth, allowing me to enter this period of uncertainty without too much concern.

Sure, my net worth will and has fallen alongside the market.

I also feel a sting when I look at the price of my grocery shopping being higher than it was before.

Not to mention the price of the energy bill...

But this is hardly something that will truly hurt me.

I'd rather focus on the positives.

I have a job that's providing me income, plenty of income, that will easily cover my monthly expenditures in all areas of my life.

More importantly, it even covers the amount I regularly send to my mum to help her cover her costs of living.

And there will be some money leftover from that income to build my financial future.

With these areas covered is there any reason for me to feel concerned or even unhappy?

These tough times will eventually pass, as they always do; and when that time comes I will still be around, still financially healthy, and in a better position than before to reap the benefits.

My only task is to keep working hard, stay focused, and be grateful for the opportunities.

Final Scribbles

Just a brief article this week as there aren't too many words needed to get my thought out.

During tougher times it's easy to lament our own situation by comparing how things are today to how they were before.

But there are always others who are far worse off.

Do you think a single mother who is skipping meals in order to feed her children has time to read articles about financial independence?

Compared to her plight, the fall in the market and the subsequent drop in my net worth no longer seems like such a big problem.

Be grateful, and keep going.


Don't wait for some magical number before you start "living". Life is full of surprises and you'll never be able to plan it perfectly. If you're doing sensible things with your money you'll eventually reach your goal. So start living now. The longer you wait, the less time you'll have. Money can be made, but time cannot. You are the barrier to the life you want to live, not a 4% safe withdrawal rate.

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