Contrary to How it Sometimes Comes Off

@porwest (111440)
United States
November 11, 2025 8:51am CST
Whenever I bring up money, some people seem to take it as bragging. Let me be clear—it's not. I'll hear comments like, "Glad it worked out for you," or, "Well, not everyone's situation is the same." And while that's true, it misses the point. I'm not talking about money as a trophy. I'm talking about money as a tool—one that gives you an edge when life throws curveballs. Think of life as being on a massive ship. Say, the Titanic. You're at the mercy of the captain, the crew, the weather, and countless other factors you can't control. Your safety depends on the ship staying afloat. But here's the catch: most of that is outside of your hands. That's where savings and financial planning come in. It's not about showing off. It's about building your own lifeboat. Whether it's early retirement, surviving a stretch of unemployment, or covering a sudden car repair, having that financial cushion means you're not entirely at the mercy of the ship. So, when I harp on saving it's not, "Look at me." It's, "Look at what you can do for yourself." Because when everything else goes wrong, control over your financial position can be the difference between sinking with the ship, or rowing away from the wreckage in your own dinghy. And you know what? Truth is. When I get to the shoreline, I want you right there alongside me to tell the news crew about what happened and how we both got away and lived to tell our harrowing tale. Together! That's what it's about. And beyond that. Not only am I telling you that you should build a dinghy. I'm sharing the blueprints with you in case you don't know how. If it really were about bragging? I'd be rowing away from you with a wave and a smirk as the last bubble broke the surface while the ship disappeared from sight.
8 people like this
5 responses
• Torrington, Connecticut
11 Nov
I enjoy the wisdom and advice you share with us, comes off as knowledgeable and someone I can look up to for financial advise, financial freedom is the goal
3 people like this
• Torrington, Connecticut
12 Nov
@porwest Thats the goal,
1 person likes this
@porwest (111440)
• United States
11 Nov
Glad to be of help (or at least part of it). Every penny matters as I like to say. For every dollar one saves, it generates 6 cents of future income (conservatively). If you save enough dollars, you generate enough cents, and eventually... You no longer need a paycheck, because your money is capable of doing the job of generating all the income you need on its own. That's the essence of freedom right there. lol Earn it once. Keep as much of what you earn as you can. Let your money take things from there.
1 person likes this
@BarBaraPrz (50783)
• St. Catharines, Ontario
11 Nov
Are you a registered financial planner or something similar, by any chance?
2 people like this
@porwest (111440)
• United States
11 Nov
No. I am not. I'm just a regular guy who asked questions, read books, and listened to people who had money. There really aren't any real secrets when it comes to money. At least none that are locked away with the keys only accessible to a select few. In fact, I have never even hired a financial planner, nor have I ever worked with one.
1 person likes this
@BarBaraPrz (50783)
• St. Catharines, Ontario
11 Nov
@porwest I haven't either, just been very careful with my money.
1 person likes this
@porwest (111440)
• United States
11 Nov
@BarBaraPrz The fact is, you don't need one. No one does. On top of that, most financial planners are in the business of selling products, not advising on one's financial health or future. And when you leave your finances to someone else to decide, you're really no better than the guy left onboard the sinking ship without a dinghy. You're still relying on someone else to save you when the concern should be to save yourself.
1 person likes this
@xFiacre (14096)
• Ireland
11 Nov
@porwest As we keep saying, if only these things were taught to kids at school there would be more self-sufficient citizens around who could weather the financial storms that hit us all. I'm quite confident that banks would be willing to send in their managers to schools once in a while to do workshops on savings, mortgages, investing etc. It would be good PR for the bank and wouldn't cost the school anything. A workshop on how to stay out of debt is just begging to be delivered. And wherever you find yourself on the political spectrum, left or right, no-one could object to that kind of help for kids.
2 people like this
@porwest (111440)
• United States
11 Nov
We agree. It absolutely SHOULD be taught in schools. Money may not be the most important thing in life, but when you have poverty rates that still affect nearly half of most populations, it IS an issue worth solving beyond just "taking care of the poor," which we all know... Doesn't truly take care of anyone. It keeps them down, gets them used to drinking from the teat, and makes them less impassioned about letting the teat go. The solution is not always to throw money at something. And of course, I have long said about poverty that the LACK of money really ISN'T the issue. The lack of UNDERSTANDING money is. You can give two guys $7.25 and hour and one will become rich and the other one will be poor. 52% of American households making 6-figure incomes are living paycheck to paycheck...so tell me it's the money that's the problem. Show people what money can DO rather than just what it can BUY.
@lovebuglena (48296)
• Staten Island, New York
11 Nov
I hate being wasteful with money and try to avoid it as much as possible.
1 person likes this
@lovebuglena (48296)
• Staten Island, New York
16 Nov
@porwest If I see a mistake on a store receipt I always go back to get it corrected. Assuming I’ve not left the store and realize the mistake once home.
1 person likes this
@porwest (111440)
• United States
16 Nov
@lovebuglena I try to check my receipts in store, but of course, sometimes extenuating circumstances get in the way of that, and that's usually when the mistake happens is when I don't check.
1 person likes this
@porwest (111440)
• United States
16 Nov
That's a good plan. Being wasteful with money is a recipe for disaster and a sure way to land into poverty.
1 person likes this
@LindaOHio (206760)
• United States
12 Nov
I don't know about you; but I have a yacht, not a dinghy. lololololol
1 person likes this
@porwest (111440)
• United States
12 Nov
Even better, then. lol
1 person likes this