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On to today’s newsletter…

Hey readers, coming at you live in the afternoon today. Hopefully that’s alright!

This week I’m not going to write about how to make more money, be fiscally responsible, or 10 tips that 99% people don’t know about how ChatGPT can help your finances. (Looking at you twitter threadbois).

Nope.

Nah.

This week, with Spring doing its thing, let’s switch it up and discuss how to enjoy your time, money, and life. For what it is. Right now. Not in 5 years, Not in 20 years, but right now. I know I put a lot of emphasis on the future, but sometimes ya need to take a little Ferris Bueller inspiration, ya know? After all, you could get hit by a bus tomorrow. What if you live to be 100? But what if you don’t?

This is the biggest, most bamboozling existential crisis we as Americans deal with (including me). Our culture is so ingrained with the grind. Patrick Bateman sigmas are practically model citizens. Our European neighbors look at us with distaste of our workaholic-ness across the big pond.

Since you read the Stay Frosty newsletter, I’ll assume you’ve heeded the warning of not being financially aware or fiscally responsible or hiring someone honest with half a brain to do that for you. You already understand your money, have a plan with it. Great.

How much is too much then? $5 million? $10 million? When does the marginal benefit of a dollar start becoming so insignificant? That decision is yours and yours only.

I challenge you to ensure you aren’t saving too much. Enjoy the ride, you only get one. So, I bought a new bike frame to build myself a new bike. Good purchase decision? No. Do I care? No. Will the aggregate return of the amount funds put in the market over the next 30 years outweigh the benefit of buying a new bike? Yes. But it doesn’t matter.

You could also starve and invest a few hundred more per month. I used to think like this. And sometimes I still do. Success and happiness are a decision. Decide what they mean to you. The parameters of that will change over time. And that’s ok. Don’t let it eat you alive (easier said than done, huh?)

The Rational/Irrational Paradox

Humans are irrational. But we rationalize our thoughts, actions, and decisions. Paradoxical much? Quite. The more we know about ourselves and our nature the better. Its to be embraced, not shunned. Maybe you are an impulse shopper? Whatever it is, think about how you operate.

Hope you enjoyed the stream of consciousness here. Keeping the newsletter short this week and I’m trying to build a new bike in record time so I can ride it. Enjoy your week, reader. And take some time to enjoy your time while we’re here. Shut that laptop and go outside.

Stay frosty out there,

Andrew

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