A YouTube video that cracks me up is called Pink Fluffy Unicorns dancing on rainbows. Whenever I need to do something at work that seems pretty pointless, this little treasure pops into my mind, causing me to smile and just get whatever meaningless TPS report-esk task done so I can move on to something more fruitful.
Thinking a bit more on this video, it brings to mind the way we Americans seem to approach money. Being responsible with money seems to be as imaginary as a cute fluffy unicorn 🦄 dancing on a glitter bomb 🌈. No interest for year! 2 years no payments! A brand new car for $199 a month!! Yes, I guess I’m the grumpy guy in the video. But only because I’ve been there, done that, and recovered from the stupidity. If the cash isn’t in the bank, we just don’t need it. If an emergency happens, we have cash reserves at the ready. This didn’t happen overnight; it happened after years of planning, effort, and diligence. Anyone can do it, and it has to start with stopping. If you keep getting into debt you will attract more debt.
Stop looking for unicorns; stop adding more debt to the pile. And the great news is – there absolutely is a rainbow at the end. Living debt free also provides the pot o’ gold.