Are You Living With No Regrets?

Rowel Manasan's
"Straight Talk" Personal Strategy
Heart/Money Alignment
It's a cliche, but it's oh-so-true: Money doesn't buy happiness. Families earning $50,000 a year overspend trying to keep up with those making $100,000 -- who, in turn, attempt to live like those making $200,000. For many families, the lure of consumerism wins out over qualities like foresight and the patience which saving requires.

The Beatles were right too: "Money can't buy you love." You can't pay someone a million dollars to love you more than a million dollars. Money can't buy integrity or friendship either. You can often purchase a cheap imitation of these values but not the genuine article. But money can be used to clarify and encourage the things already most important to you. It can be used to show your love for someone, keep your integrity or help a friend in need.

So, here is a simple exercise which can help you determine what you value most in life: Look at this list of 15 values:

    Achievement
    Adventure
    Aesthetics and culture
    Authority/Power
    Financial security
    Friendship/Love
    Health
    Independence
    Integrity
    Philanthropy
    Recreation
    Service
    Spiritual growth
    Wisdom
    Work

Cross off 10, and keep the five most important to you. Then rank those five in order of importance. Look at your list and answer this question:  Are you living your life and using your money in sync with your values? If you are married, ask your spouse to do the same exercise independently, and then compare your answers.

Now, take these values and give a hard look at where you are spending your money. Does it fit?

Surveys have found that people regret what they  didn't do more often than what they did.
Our lives can change course dramatically (and serendipitously) all because of some small decision on our part. How many times have we heard the story of how a happily married couple met, only to be surprised it almost didn't happen?

And, often, these decisions are expressed through how we spend our money.
We each long to participate in something significant and realize our greater passions. But that doesn't just "happen"! It requires foresight, planning and forgoing our momentary desires. The choices we make, every day, determine the ones we will have the opportunity to make in the future. Without those hesitant, often stumbling first steps, we can't even begin the journey. And, of course, the first step is the hardest.

Voicing what we are passionate about can be scary. Beginning to act on our ideas can feel overwhelming. But courage isn't a lack of fear; it's action in spite of fear. And our fear may indicate we are on the quest of our lives.

So again -- I refer you to your list of values, held up against how you are currently spending your money:  Are there small changes you can make--which would translate into BIG, passionate goals?