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Live life on your own terms


Living thePaid-off lifestyle

the radical idea to live life free from debt

 

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Live life on your own terms


Living thePaid-off lifestyle

the radical idea to live life free from debt

 

 

More owning, less owing.

Regarding personal finance, it’s as simple as it gets. And it needs to be in order to work. I know because this is the rule I applied to my own life. 

In January of 2012, I walked into my local bank branch and paid off my mortgage.

It was the culmination of years of removing myself from owing the things in my life, to OWNING them. My furniture. My cars. My home.

 

It was radical.

But the feeling of not having any bills? Priceless ;)

 
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One


“But I thought saving more and spending less was what mattered”?

Aaaaah, yes. Of course! If it weren’t for the fact that the definitions of spending and saving have been utterly twisted by the credit industry. “Don’t pay cash when you can save 10%…” or, “Don’t pay off that loan, you should keep your cash so you can build up savings…” Ever meet a millionaire who has a mortgage and a couple car loans they are upside down on? Let me know.

 

Phrases like this keep you in a constant state of owing. And guess what, you never quite get ahead of things. Funny thing, owing never works out so good.


But, when you stop allowing yourself to owe on your stuff, you are forced to make better choices, and pass on things you can’t afford. And along the way, I discovered an interesting fact. When you own your stuff, your stuff gets better. Yeah! My couch became way more comfortable. Car? runs better. And my lawn is greener, I swear. It’s a real mood enhancer.

One


“But I thought saving more and spending less was what mattered”?

Aaaaah, yes. Of course! If it weren’t for the fact that the definitions of spending and saving have been utterly twisted by the credit industry. “Don’t pay cash when you can save 10%…” or, “Don’t pay off that loan, you should keep your cash so you can build up savings…” Ever meet a millionaire who has a mortgage and a couple car loans they are upside down on? Let me know.

 

Phrases like this keep you in a constant state of owing. And guess what, you never quite get ahead of things. Funny thing, owing never works out so good.


But, when you stop allowing yourself to owe on your stuff, you are forced to make better choices, and pass on things you can’t afford. And along the way, I discovered an interesting fact. When you own your stuff, your stuff gets better. Yeah! My couch became way more comfortable. Car? runs better. And my lawn is greener, I swear. It’s a real mood enhancer.

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Two


Contentment can now have a place in your life. When your biggest monthly expenditure is the grocery store, the world and it’s stresses has little to throw at you.

 

When you are stressed with paying big bills every month, you are always desperate for another toy to bring some sense of short term happiness. And I predict, you become a more honest, braver, kinder version of yourself when debt isn’t putting words in your mouth. When you owe banks every month, you are one paycheck away from disaster. And your brain knows it. You do and say things because you need to. You walk away from your ideals, and generosity takes a back seat because “...I got bills to pay.”

 

When you own your life free from credit, those things get to come first.

Think about that.

Two


Contentment can now have a place in your life. When your biggest monthly expenditure is the grocery store, the world and it’s stresses has little to throw at you.

 

When you are stressed with paying big bills every month, you are always desperate for another toy to bring some sense of short term happiness. And I predict, you become a more honest, braver, kinder version of yourself when debt isn’t putting words in your mouth. When you owe banks every month, you are one paycheck away from disaster. And your brain knows it. You do and say things because you need to. You walk away from your ideals, and generosity takes a back seat because “...I got bills to pay.”

 

When you own your life free from credit, those things get to come first.

Think about that.

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Three


Oh, sure.

You can crash your car and get cancer just as easily.

 

But when you own everything outright, I guarantee you will deal with any of these issues much better not worrying how the car or house payments will be made.

 

Your worst case scenarios get simpler. 

 

And when things get simpler, you can focus and face whatever comes at you.

Three


Oh, sure.

You can crash your car and get cancer just as easily.

 

But when you own everything outright, I guarantee you will deal with any of these issues much better not worrying how the car or house payments will be made.

 

Your worst case scenarios get simpler. 

 

And when things get simpler, you can focus and face whatever comes at you.

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Four


So you must be thinking: I received an inheritance? Doctor? 60 year old hermit?
Nobody who lives a normal life can pull this off! This is where it gets really radical. I am in my (now) later forties. Work a middle class, stressful nine-to-five job. Married. My wife works only part time when she wants to. We have two children who both have chronic medical issues. So if I can do it, you can do it.

 

The best part of my advice? I have no financial qualifications beyond my own personal success. That’s right. Not even one finance class in college. I can’t throw complicated financial mumbo jumbo at you if I wanted. And you know what, those people aren’t helping you.


Own more. Owe less. Start living life on YOUR terms.

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Four


So you must be thinking: I received an inheritance? Doctor? 60 year old hermit?
Nobody who lives a normal life can pull this off! This is where it gets really radical. I am in my (now) later forties. Work a middle class, stressful nine-to-five job. Married. My wife works only part time when she wants to. We have two children who both have chronic medical issues. So if I can do it, you can do it.

 

The best part of my advice? I have no financial qualifications beyond my own personal success. That’s right. Not even one finance class in college. I can’t throw complicated financial mumbo jumbo at you if I wanted. And you know what, those people aren’t helping you.


Own more. Owe less. Start living life on YOUR terms.

Facebook     Twitter     Instagram