The Stratagem’s Archive

Tag: financial

  • The Stratagem Begins: From Scarcity to Financial Empowerment: Part 1:

    The Stratagem’s Budgeting Strategy:

    Welcome, Co-conspirators, to the Financial Acquisition category of the ‘Stratagem’s Archive’. Here, I shall unveil the blueprints of my journey to forge wealth and refine my financial acumen.

    But first, a candid admission: I used to be a money miser, a penny pinching devotee. Overcoming this was a challenge that spanned years. Yet, through relentless study, meticulous observation, and the crucible of trial and error, I have diligently forged my budgeting muscles. I now wield my resources with precision, aggressively dismantling my debts while simultaneously expanding my reserves.

    The very tactics I’ve deployed are perfect for those embarking on their own financial campaigns, for several reasons:

    • A solid foundation: It builds a stronghold of accountability.
    • Field-tested Principles: You can adapt my proven methodologies, calibrating them to your unique objectives.
    • Accelerated Conquests: Bypass years of independent struggle by learning directly from my tactical missteps.

    What I’ve Learned From Trial and Error: A Mastermind’s Reckoning:

    My path to becoming financially adept – competent, confident, and literate – was fraught with gaps, bumps, and unseen traps. While I do not claim the title of a financial oracle, I have discovered how to command my capital with a select arsenal of tools: the strategic deployment of cash over credit, the unerring guidance of sound judgement, and a humble calculator.

    At the time of this writing, I am systematically eradicating $16,000 of outstanding debt. This includes just under $4,000 in credit card debt, burdened by a formidable 25.26% Annual Percentage Rate(APR), and a personal loan nearing $12,000, at a slightly less hostile 8.70% APR. The shift from my family’s domain to my own studio apartment necessitated a total recalibration of my spending and savings protocols.

    Consider this: my previous credit card usage, spanning rent, groceries, utilities, gas, subscriptions, online courses, and various indulgences, led to a critical decision. I elected to holster my credit card. It remains in my wallet – a symbolic presence – yet I’ve disciplined myself not to reach for it. My superior alternative? Cash. It is, undeniably, king.

    I bestow upon cash this regal title for several tactical advantages:

    1. The Visceral Command: cash compels you to experience the “pain of paying” or “tangible loss.” Unlike a digital transaction, paying with physical currency forces you to witness and feel the fruits of your labor depart from your grasp. Your wallet lightens. This act alone forces a ruthless prioritization of your expenditures.
    2. Eradicating Self-deception: cash thwarts the insidious illusion fostered by credit card’s “buy now, pay later” deception. The notion that money is “just numbers on a screen” is precisely how one becomes ensnared in debt’s relentless, revolving clutches.

    A Look Into a Mastermind’s Day: Deploying Cash With Precision:

    When I embark on my weekly supply acquisition – as a singular entity, unburdened by dependents(a crucial distinction for context) – I execute a precise cash withdrawal. I procure between $200-$300 and strategically distribute it among four distinct envelopes:

    1. Guilt-Free Spending: My personal allocation for any desired acquisition (a concept masterfully coined by Ramit Sethi, author of I Will Teach You to be Rich, whose work I actively employ).
    2. Giving: Building a charitable fund, for cultivating my “generosity” muscles.
    3. Blog Fund: A dedicated reserves for my digital empire, offsetting domain costs and securing future compensation.
    4. Necessities: The bulk of my withdrawals are deployed here. Sustenance, fuel, clean attire, and hygiene products are the pillars of daily operations.

    Allow me to illustrate a typical deployment: I allocate $20 to each of my four envelopes for the week, leaving me with $220. My next move is a reconnaissance of my vehicle’s fuel gauge. If my gas tank registers at or below the halfway mark, I immediately set aside $40 for replenishment. Should my fuel reserves be sufficient, that $40 is repurposed for laundry, converting into the necessary quarters for a clean uniform. Following these maneuvers, I am left with $180 for grocery provisions.

    I maintain a meticulous inventory of my apartment’s assets and deficiencies. If food reserves are low for the week, provisioning sustenance becomes the paramount objective. If soap, toothpaste, cleaning agents, or other hygiene products are scarce, these immediately ascend the priority ladder.

    Before each shopping expedition, I activate my phone’s calculator – my digital co-pilot.I precisely estimate the cost of each item I intend to acquire. This provides a crucial pre-tax approximation of my total expenditure, preventing unforeseen overruns. For instance, my recent grocery list, calculated using sticker prices, yielded an estimate of $160.80. With the application of taxes, the finally tally reached $168.38. I maintain a $20 contingency fund because the exact tax burden remains unknown until the final transaction, and I refuse to breach my cash parameters.

    This iterative process, executed with each shopping foray, has sharpened my ability to discern true value from fleeting desire. I can acquire what I deem essential, but I cannot acquire everything. This is a vital distinction, for it reveals that many items merely flirt with the “want” category rather than the need. This self-awareness is not a limitation, but a profound step towards becoming a mindful and intentional architect of your financial dominion.

    In Conclusion: Your Move, Co-conspirator:

    You’ve witnessed the power of conscious transactions, the foundational truth that lies within the simple act of cash. This is merely the first brick in your empire. For those with the ambition to command their financial future, the knowledge within the Stratagem’s Archive is indispensable.

    Decimating debt: Learn the precise tactics I’ve employed to eliminate debt and reclaiming your financial power:Eradicating A Burden: Eliminating Personal Debt to Ascend:

    The question is not if you can build your empire, but if you possess the will. Begin your deeper immersion now. Share your thoughts and experiences in the comments below. Let’s begin a productive discussion, and it is time for the Stratagem’s Archives to close. Until opening day, co-conspirators.

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  • Eradicating A Burden: Eliminating Personal Debt to Ascend:

    The Stratagem’s Impediment:

    Welcome fellow Villainous Co-conspirators, for stumbling into The Stratagem; now, today, I’m going to share a predicament that I, The Stratagem’s creator, am facing right now… this burden hinders all people from all walks of life — heroes, villains, anti-heroes, anti-villains, and civilians alike. It is one of the main foundations for any pursuit. This crippling burden I’m speaking of is called, Personal Debt—a significant amount, and if you think heroes are the only ones to throw a wrench in your plans, you are sadly incorrect.

    Do you have any idea why Personal Debt is a far more devastating force to deal with than any other living and conceptual adversary? Imagine this: you have constructed the perfect plan, a plan so diabolical that it could turn the tides to your favor, and all you need to ensure its construction is possible is money. Every fictional villain tends to steal from banks and incredibly wealthy individuals. If operations, tools, gadgets, and personnel could function on hopes and dreams, or fear and anxiety, what then? No, no, no, money isn’t just a symbol of one’s avarice and greed; it is a tool for fair exchange since gadgets, keeping the Stratagem running, and paying for good help takes money. This is how any business functions.

    We need to make sure that every dollar we owe to Personal Debt returns to us for our own personal use. I personally hate debt, especially debt that hinders the individual’s progress, growth, pursuits, and opportunities. Imagine what it would be like to be free from debt, no longer owing money to financial institutions because of an emergency or surprise expense that you didn’t have cash on hand. You could return to your plans of crafting the life you want to be proud of. In the following paragraphs, I’ll share with you what I’ve been doing to eradicate my personal debt, the resources I’ve been learning and from using, and the progress made since taking on this challenge.

    Have You Acknowledged That Something Is Wrong With This Picture?

    During my journey into financial literacy books, videos, and other resources, the one thing that we need to start with in destroying Personal Debt is to acknowledge it— Acknowledge that there’s a limitation preventing you from achieving your goals and halting your plans. My favorite resource to watch that shows what happens when people ignore their debts, who keep racking up new debt onto existing debt, and thinking it’ll magically sort itself out is from a Netflix show called, “How to Get Rich.” If you’ve ever read the book, “I Will Teach You to be Rich” by Ramit Sethi, or watched his YouTube channel by the same name, he has had guests on this show do just that: ignore their debts.

    I think that ignoring your debts is a horrible tactic and it widens the gap between becoming free from it and remaining its hostage. The best financial resources I’ve come across that’s helped me improve my financial literacy and competency(in no way am I affiliated with these resources) are:

    • I Will Teach You to be Rich: The books, journal, and YouTube channel by Ramit Sethi.
    • The Psychology of Money by Morgan Housel.
    • The Richest Man in Babylon by George S. Clason (audiobook Narrated by Grover Gardner).
    • Alux.com YouTube channel and app.

    I had improved with how I use the money that I earn, saved, and invested from jobs that let me hide among the masses. These had been the best resources I could find that helps people who don’t have a business or are not self-employed make the most of what they have. I am not affiliated with these people, just a fan of their work, which has helped me see with more clarity than before. Now, let’s move on to how I’ve been tackling my Personal Debt of $17,000.

    The Stratagem’s Aggressive Payoff Strategy:

    How I started to tackle my Personal Debt was to write down how much I owed and what each of my debts APR(Annual Percentage Rate) for each debts (which includes interest rates and fees) and displaying them prominently. For myself, I have a white board on my desk, so I wrote the numbers down.

    • Short-term debt: $5,000
    • Medium-term Debt: $12,000

    The first thing that I decided to do was to put a stop to using my short term debt. I had paid off all other balances using a loan. I didn’t want to spread my money too thin again. Putting your physical and other means of accruing debt away to not use will take willpower to not swipe and increase your debt. Instead, I changed to using a cash envelope system.

    If you’re unfamiliar with what the Cash Envelope System is, it’s where you take out cash each month to pay for your necessities, groceries, gas, and fun activities or things you want to buy on a budget. Using this system will give you pause where you would have to ask yourself: 1)what can I get with X amount of dollars in my hand? 2)am I buying X because I need it or because I want it? These are the few questions I ask myself when I go shopping and I withdraw between $200-$300/week to spend. How I separate the money each week, especially more than $200, let’s use $300 as easy math:

    • $200 for groceries.
    • $40 for gas
    • $20 put away for, as Ramit Sethi coined it, “Guilt Free Spending”.
    • $20 put aside for funding this blog.
    • $20 for whatever cause I will financially support once I reach $100-$200 milestone.

    The second thing that I decided to do was to get a part-time job; this was a personal choice because my full-time job had our hours cut and my paycheck shrank as well. I went job hunting for 1 month looking on Indeed and applying on the company’s job board before getting hired at a rage room part-time. The extra money, even though I had to adapt to extra workload, had helped with making sure my bills were paid. I’m not beneath working 2 jobs, though I am fortunate that both jobs were flexible and worked with me, no one should not feel ashamed for making such a decision.

    Having 2 jobs, though draining, had given me the freedom to use an aggressive pay off method called, The Avalanche Debt Payoff Method. What this means is that you are paying more than the minimum payment towards the debt that has the highest APR. When looking at this from a mathematical perspective, tackling the debt with the highest APR also reduces the amount of interest that could be added on to the existing debt.

    Even though my highest debt is $12,000.00, it would not make mathematical sense if I paid this off first. When using the Avalanche Debt Payoff Method, getting rid of the debt that will accumulate interest fastest will free up more money in the long run. By ensuring that I pay the minimum payment towards my other loan, I’ll be shrinking that loan with less penalties. I’ve been saving as much as $1,000.00 to put towards my credit card debt to pay it down faster. The more money you can put towards it, the faster this burden will be gone.

    A Less Aggressive Option is Available

    I chose the Avalanche Debt Payoff Method because I could pay off my debt aggressively. Thanks to working a full-time job and a part-time job, this option is mathematically sound for my situation. However, for those who aren’t able to use the Avalanche Debt Payoff Method, a less aggressive method is available: The Snowball Debt Payoff Method is used to pay off the smallest debt balance off first and work up towards the highest balance.

    For example, if my $17,000.00 debt were spread across 4 different accounts, using this hypothetical debt to explain this payoff method, you would start by paying off the lowest balance. Then you’d move up to the next balance, until you pay off the next balance, and you focus on the last debt.

    From personal experience, using the Avalanche Debt Payoff Method can feel mentally taxing—you’re seeing a lot of money move from your bank account to pay towards your debt and it can feel as though you’re not making a dent. I’ve thought of many scenarios of what I could be doing, instead of paying off my debts. I could be using that money to:

    • Donate to either a food bank, the blood bank, a school that needs school supplies, to a local library, or a farmer’s market.
    • Buy a nice lunch for my family once a month.
    • Repay my parents money I had borrowed from them for an event I chose to attend last minute.

    These are the things I would do once my debts are paid off. Remember that everyone is facing different challenges and has their own goals. These are mine and I will see them fulfilled.

    This payoff method offers a plethora of benefits that its aggressive counterpart would not. The less aggressive method grants:

    • Bursts of dopamine from eliminating small debts and seeing each debt gone.
    • A sense of accomplishment.
    • Provides an increase of strength to keep pushing through their (financial) challenges.

    This method could also help individuals who are:

    • Working one job.
    • Earn under $50,000/annual salary.
    • Taking care of children, elderly or sick family members.

    For anyone who is already overwhelmed by their debt and other responsibilities, this could offer a sense of accomplishment and as though their situation has hope, instead of seeing it as hopeless.

    Plans Need An End Date

    Regardless of the method you choose to use to pay off your debts, you will need to have an end date for when you will become debt free. Why? Because it gives you something tangible to strive for than leaving it up to chance.

    When I didn’t set a deadline to when I wanted to be debt-free, battling debt felt impossible in the beginning. Not having a deadline drops you into the someday category, the same as how New Year’s Resolutions are: I’ll someday get to travel, or I’ll someday get healthier, or I’ll someday get myself out of debt. NO! Someday, without a goal and a when to strive for, is a wish, not a strategy.

    Go ahead and try it; keep paying your debts without a deadline and see how it feels, then set one. Share how much of a mental shift it is once you’ve tried this out yourself.

    Treat your empire the same as eliminating debt—have a concrete date for when you want to start building your empire, instead of letting it become a someday wish. Otherwise, you will likely be at the mercy of life and nothing will change for you because you followed the same strategies you’ve always followed. We’re not simply Dreamers, Fellow Co-conspirators. We are Dreamers who plans, takes responsibility, and executes on our plans. Now, let’s move on.

    What Happens If You Choose Neither Method?

    If you choose neither method to tackle your debt—then the only thing that will happen would be a longer financial sentence. You need to choose which plan works for your situation and act on it, then you have enough sense to not remain debt’s prisoner.

    You are the only one who gets to decide how to live your life, no one else, especially not some institution who cares about taking as much money from you as possible. That is what we’re here for—fighting for our financial freedom and get back to building our empire!

    Charting Your Course to Financial Domination!

    Understanding your enemy and the damages they can inflict on your rising empire is the first step towards victory. We’ve explored how devastating inaction can be and the immense power the strategies like the Avalanche and Snowball methods. Now, the choice is yours fellow co-conspirators.

    No matter the battlefield you are fighting on, the time to act is now. What course of action are you taking and how you feel about the progress you’ve been making? Share in the comments a glimpse of your journey for other co-conspirators to learn and take inspiration from. Thank you for visiting The Stratagem’s Archives, now build your empire!

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  • How I’d Spend $1 Billion in 24 Hours (A Personal Thought Experiment).

    Financial Freedom On A Timer:

    “If, one day, you wake up and suddenly find someone standing in your sleeping quarters, hand outstretched, and you see an intricately beautiful heavy platinum black card, what would you do? Most likely you’d go back and forth between feeling confused to needing to deal with a potential threat in your home, right? Even if the situation is strange and the stranger in your space hasn’t presented themselves as hostile.

    So, let’s say for the sake of argument, that you remained calm; you’re looking at the card in the stranger’s hand, then up to the stranger’s face. In a calm and even tone the stranger, gesturing to the card, says, “In this card rests 1 Billion dollars ready to be used without delay. The only conditions you have to meet are two: 1)You have 24 hours, upon accepting this card, to use the whole 1 Billion dollars in that time frame; and 2) You are not allowed to purchase any of the same item twice. Should you fail to fulfill these requirements, everything you had purchased will be revoked and you will be left with nothing. Do you accept?”

    If I were to find myself in this situation, truthfully, I would jump at the challenge to see what I would do with 1 Billion dollars. Why would I call this a challenge? Let’s consider a few points: 1) you were told that you literally have 24 hours to spend this money should you accept the card; 2) every purchase will be revoked, taken back, should you fail to spend the entire amount or purchase the same item twice; and 3) I personally struggle to imagine what 1 Billion dollars could look like in real life! I’ve only ever seen over $15,000 at once, in one point in my life. So, excuse me for not having the cognitive bandwidth to see 1,000,000,000 in my mind’s eye.

    Anyways, that is the challenge set before you; what would you do if you were presented with this opportunity? I know that I would take this chance, so, to give you an idea to think about your own choices, I’ll share with you what I would do in this situation.

    Starting From Home:

    Immediately, once that platinum card is in my hand, I’ll set a timer for 24 hours on the dot, then begin the ‘1 Billion Dollar Challenge.’ I would start at home with my immediate family: I’d retire my parents early, giving them 3 million dollars each, then my uncle 3 million to do as he pleases with, and I’d give a budget of 2 million dollars to renovate my grandma’s home; level her property, add extra security, dump and sort through all of the stuff being hoarded in the patio, and become an eco friendly home.

    Extending outward towards other family would be on my mom’s side of the family: I’d give 1 million dollars to my aunties, 3 million to my other grandma so she can finally put herself first after all these years. Then I’d hire a financial institution for $10 million to educate my younger cousins about financial literacy and competency. Maybe reach out to the folks at ‘I Will Teach You To Be Rich’, regardless if my cousins are over 18 or under, I want them to be smarter, competent, and confident with their finances. They’d be capable of taking care of themselves financially, while I’d put 1 million dollars in a trust fund for each of them, even as adults, because I’d want them to rely on themselves and learn than splurge and curse me out for not gifting them more money.

    Expanding Outwards:

    After taking care of my immediate and very close extended family, I’d turn my attention to donating 1 million dollars to every library in the state. All of them. My dad took me to read and borrow books as a kid and I still enjoy libraries and book stores as an adult. Libraries are very valuable, as it is a public and free resource to people who might not have access to the internet or printing services. Books are also valuable, in my opinion, because you can learn from other people without having to have met them in person. Gain their insights and the lessons they learned throughout the years and be able to read it whenever you want.

    Next I would branch out to other outreach programs: 1 million dollars each to the 4 main food banks, 1 million dollars to the Blood Bank, 1 million dollars each to the 5 major affordable housing projects in the state, 20 million dollars split between The American Red Cross, Salvation Army, Hazards Awareness and Resilience Program, and every other natural disaster relief programs. Though I’d use up to 10 million dollars in a great lawyer firm to ensure these funds are being used for as is intended than potentially pocketed by someone on the inside.

    What About Education?

    That is a great question! Education is important, though I am a little biased when it comes to the means of learning. However, one thing that I can understand is tackling debt, any of it. In the state, the student loan debts exceeds 4.7 Billion dollars, WAY more than the allotted amount, but the thing I would do is donate 2 million dollars to pay off the current graduating class’s debt across our universities and community colleges. 1 million would be used for scholarship programs for the next class pursuing higher education, and 1 million dollars to update and improve the current programs and clubs available in the school systems.

    Not just with higher education, but education in general. From pre-school to high school, some kids might not have the means to attend class or have the necessary supplies they need, and I’m a sucker for art and writing supplies. I’d donate 10 million dollars split across all the schools in the state, from every pre-school, elementary school, intermediate school, and high school too. Enough to get the kids what they need and to help parents support their children as well. A little help goes a long way, but I would also likely donate 10 million dollars to the Board of Education, with the help of a great lawyer firm, to update the school’s curriculum, like really? Schools need to be, not only better equipped, but need to practice what they preach too than just preaching their lessons without real substance behind them. But I digress.

    Are We At 1 Billion Yet?

    Okay, so given everything that I put down thus far, let’s see how close I am to hitting 1 Billion dollars. PLEASE, DO NOT FEAR NUMBERS! NUMBERS ARE HELPFUL BY SHOWING YOU WHERE YOU’VE GONE AND BY HOW MUCH!!! Anyways, let’s do some quick calculations:

    • 3 million * 2 (both parents) = 6 million.
    • 3 million * 1 (uncle) = 3 million.
    • 2 million to renovate grandma’s house.
    • 1 million * 3 (aunties) = 3 million.
    • 3 million * 1 (other grandma) = 3 million.
    • 1 million * 10 (cousins) trust fund= 10 million.
    • 10 million towards financial education
    • 1 million * 51 (libraries) = 51 million
    • 1 million * 4 (food banks) = 4 million
    • 1 million towards Blood Bank
    • Split 5 million across 5 housing projects
    • 20 million to HHARP
    • 10 million towards great lawyer firm
    • 2 million towards student loan debts
    • 1 million for scholarship programs
    • 1 million to update school curriculum

    Did I scare anyone away from all of the numbers yet? No? Okay, good, let’s keep going. So, with what I currently have listed above, I would end up with… let me grab my calculator real quick… if I input the numbers correctly, then I would have used $132,000,000. $1,000,000,000 – $132,000,000 =$868,000,000. That would mean that I would have 868 million dollars leftover to use… Man, did I grossly underestimate how much I would allocate money towards each program. These numbers are imaginary to me, even if this is a thought experiment. Guess I have to think harder about what else I could use the money on, huh?

    What To Do With The Remainder?

    I thought long and hard for what to do with the remaining 868 million dollars and, let me tell you, it wasn’t easy coming up with ideas of where to allocate funds towards. It was a constant back and forth between increasing funds in the list above or looking up other obscure charities or something. Then it hit me; where else could the money be used? And I came up with more places to donate money towards, so please bear with me and another list. Here are the other places I had thought of and we’re going to jump straight into bullet points:

    • 2 million towards my part-time job.
    • 2 million towards a BJJ academy I attended.
    • 2 million towards WEBToons content creators. I WANT A LOT OF STORIES I THOROUGHLY ENJOY TO KEEP GOING!!!
    • 2 million to a text based game company called Choice of Games LLC, Hosted Games LLC, and Hearts Choice LLC. (Soon I’ll learn to use their code to make my own game!)
    • 360 million towards improving the state’s infrastructure: roads, bridges, etc. (Road work SUCKS here and needs to get fixed NOW.)
    • 50 million to St. Jude’s children’s hospital.
    • 50 million towards cyber security programs for myself and my family for online and in-person privacy and safety. (DeleteMe, NordVPN, etc)
    • 10 million each to the hospitals across the state.
    • 70 million to hospice and elderly care.
    • 50 million to Alzheimer’s and Dementia research and treatments.
    • 150 million towards outreach programs for other countries in need of food, water, shelter, basic necessities, and to rebuild their lives from the ground up.
    • 50 million towards the cultural centers, history and art museums, memorials, etc.
    • 50 million towards native programs.
    • 6 million to the Humane Society and animal sanctuaries.

    So, let’s run the numbers again and see where I’m at. Time to pull out the calculator! With everything totaled up above at the ‘What To Do With The Remainder?’ Header, it’s going to come out to $867,000,000. So $868,000,000 minus $867,000,000 equals to $1,000,000 leftover. I’d say this is looking pretty good, but what about the remaining $1 million you ask? It’s pretty simple, especially if you had put yourself last for as long as you can remember. However, in my opinion, it’s easier to know what to do with any crazy amount of money when working backwards.

    Now The 1 Million Dollar Question:

    Given that we hadn’t accounted the 24 hour time frame, that’s okay, we can put that on the side for arguments sake. Let’s turn to the, now, $1,000,000 question and what to do with it. I’d say that I would use it for myself and I already know what I would want to do with it, so, below will be my list:

    • Invest $4,750 towards my contributions for 2025.
    • $600 towards a disc and digital PS5 with the disc games: Bloodborne, Elden Ring, Sekiro: Shadows Die Twice, and whatever else I’d like to play.
    • $900 towards 3 travel size WiFi router with an encrypted VPN installed for myself and gift my parents. (Spitballing for quality and quantity.)
    • $100,000 towards a 2023-2024 Honda Hatchback Civic Sport, fully paid off, with tinted windows, an adjustable backseat to sleep fully stretched out than scrunched up, with a small collapsible fan, and front and rear dash cams.
    • $100,000 to my Dad to get him a new car, fully paid off, of his choosing and retire his Corolla and the Dart I have.
    • Put $300,000 into my High Yield Savings Account.
    • $300,000 into my 401K if I could put in post tax money. If not, then I’ll open an HSA or something akin to it.
    • $13,750 towards fixing my health, teeth, vision, sleep, nutrition, and overall well being.
    • $20,000 towards improving my wardrobe and clothes. Maybe even work with Cassandra Sethi from Next Level Wardrobe.
    • $1,000 towards getting a new IPad with all of my learning app subscriptions on, including this WordPress app, a stylus, and a drawing program for drawing, making stickers, etc.
    • $3,000 towards solar powered batteries and chargers, USB cords, for home and for my car, 1 case of canned goods, 1 case of potable water, 5 one gallon of varying brands of alkaline water, a propane stove, and varying brands of small propane tanks for potential storms and blackouts.
    • Give $16,000 to the small community I’m currently living in to give back to a closer cause.
    • $300 for the Daily Stoic’s 8 medallion bundle.
    • $39,700 towards updating my bed, desk, chair, portable home gym, and creating my personal portable “villain’s lair in plain sight’ aesthetic I always wanted.
    • $5,000 each to support the works of those I personally follow, but couldn’t do so before: The Bioneer, Jaxblade, HistoryByMae, Tales from the Stinky Dragon, Alayna Joy, Kevin Zhang, Einzelganger, The Daily Stoic, MindValley, and The School of Life.
    • $25,000 to someone who could help me improve my own skill set: writing, WordPress, fitness, nutrition, business, art, and whatever else could help me broaden and bridge my own skills and knowledge gap.
    • $12,000 to pay towards my debts
    • $1,000 budget to buy groceries and necessities for the month.
    • $5,000 for my dogs to have durable and warm beds, replace their kennels to be able to withstand rain and wind and heat, and give them better quality dog food.
    • $5,000 to support my cousin’s local pet store.
    • $1,000 into my ‘use this’ savings.
    • $1,000 to take my family out to a nice dinner. Maybe Red Lobster or Cheesecake Factory, while using the remainder to use as a tip.

    Pretty much, with the last 1 million dollars, this is how I would split the money up. Even though I gave money to other people, it’s still my choice, and there are debts that I would like to pay back and this is how I would want to do it.

    What Was The Point Of This?

    That is another excellent question, thank you for asking it! The reason this whole article came to be was because I had seen a video on YouTube called, “COULD YOU SPEND $1 BILLION IN 24 HOURS” by Alux.com and it gave me something to think about. I had encountered this first from Ramit Sethi’s ‘I Will Teach You To Be Rich Journal’ where the questions asked, ‘what would you do if you came into a windfall of $1,000’? Of $100,000? Although, $1 Billion was a more exciting and challenging number to think over than $100,000, don’t you think?

    The possibilities at your fingertips, the creativity that could spawn if you stopped and gave things some thought than none eat all, can be very enlightening. Enlightening how? You see, everything above had been a culmination of days, maybe even weeks, of ruminating, drafting, figuring out what I value, and it was a struggle when I got my family taken cared of first.

    This thought experiment can show you what you value and in what order of importance you’d put them in. I’m not saying that you should put yourself down for prioritizing some things and people over others, no one is wrong unless what you value does harm to other people. Then that can be harshly judged, but, again, I digress and I’m biased. Personally, this was easier for me to work backwards anyways and I know that I wouldn’t need or want too much stuff anyways.

    I know what I like: video games, comics, books ranging from finances, philosophy, psychology, fitness, and high fantasy (which I still have a huge backlog to get through)even books that push me to think about the other side of the argument, pens, notebooks, stickers, mechanical pencils, colored pencils, listening to music, taking a walk around the block, supporting those who supported me, being supportive in general, having my own space and privacy and autonomy in person and online, and accessories from games, and I make sure that I’m building up an emergency fund, investing in my retirement.

    The point here is that giving something like this some thought not only shows you what your values are, it presents an opportunity to start planning. To think about the building a solid foundation, an actionable plan, to ensure that these ideas can become reality than simple wishful thinking. For example, if I wanted to take my family out to eat at a decent restaurant, then I’d have to plan out how much money I’d like to accumulate, how long it would take to build up if I put aside $50 per paycheck, and then set up a reservation somewhere where everyone is off from work and able to hang out.

    If I wanted to support the Blood Bank, then I’d see where the closest donation center would be and give blood once or twice a year; If I wanted to support the libraries and book foundations, just like with the family dinner example, I could volunteer my time or donate money to help keep the place running however I could with my current salary. You start with where you currently are and can start to ask yourself questions, like; ‘if I could do this for longer and contribute more, then what could I do to increase my [volunteering time, donations, etc.]? What could I do now that would get me closer to X and Y? I had started a “charity envelope” where I would put in $20/biweekly or per month, if I could spare it, so I could eventually choose where to donate it to.

    No small thing is ever inconsequential as they eventually lead up to bigger things. Give this thought experiment a try! If $1 billion is too much then work backwards to move forwards:

    • What if I came into an extra $100? What would I do with that money and how could I earn this?
    • What about $1,000?
    • $5,000 cash windfall?
    • $10,000 is in your possession?
    • $100,000? $1,000,000? Until you reach $1 billion in real life?

    While we might not have 24 hours to burn through whatever money we earn or gain, it’s all about perspective, planning, adjusting, and taking action because we will never know where life will take us or how it’ll end. But if we never gave something a try, then the answer will be an elusive and could crushing, “I wish I had done X or gave Y a shot when I had the chance. So, take that chance now while you still can. Who knows where things could lead, when, and how. Thank you so much for reading! Stay tuned for the next one.

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