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financial advice: how to invest your money.
I’m three months shy of turning 21 years old for the seventh time and I’d like to think that I’ve had a blessed life. Of course, I could always be happier but I’ve arrived at a stage of my life where I’ve never been so contented with my current material well-being.
I have a healthy variety of shirts, pants and shoes to choose from, a good collection of watches, a decent guitar, camera and laptop, a branded wallet and a smartphone. Two years ago, I remember counting my collection of 20+ Threadless t-shirts and 10+ Crumpler products. My room is hooked up with a 27″ LCD TV and a 5.1 surround-sound system. Bottom line is, there’s nothing I need, really, and I’m thankful to have (almost) everything that I’ve always wanted to purchase. I’ve done my fair share of possessions-accumulation during my days of earning a higher income.
But, so what? All these thing amounts to nothing at the end of the day for I will take none of these with me when I exit this earth; they will be useless and worthless eventually.
Of course I still have material desires – I’ve been eyeing this and this for some time now and each time I walk past an optical shop, I’d always check if that pair of sunnies is in stock and if there’s a promotion, and without fail, I’d politely say to the disappointed sales representative, “Okay thanks, maybe I’ll get it next time”, and walk away. Would I ever buy it? I think the question I ask myself these days is, “Is that good stewardship of money?” I’d be honest to admit that I’m still tempted by some items but I also deliberately desensitise myself from accumulating things.
I like what RS, the founder of this website, stated about conscious spending, for there’s truth and logic in his philosophy, even if it’s of a secular mentality:
“Spend extravagantly on what you love and cut costs mercilessly on what you don’t.”
Having a reduced income over the last nine months have certainly helped me to be more decisive and cruel in differentiating my needs and wants. At the same time, it has also helped to shape my “investment portfolio”. While I’m a prudent spender and a happy saver, I don’t think I’m qualified to give real financial advice – I mean, did you really think I was going to teach you how to invest your money on my blog? Come on! (:
But I’d like to share with you how I have been investing my money and why I’ve chosen to do it this way. Perhaps this could encourage or challenge you to revisit your spending habits and investment inclinations. I’m not sure if these items have eternal worth, but I’m confident that they have a life-long value. So, please allow me to share the three things I delightfully invest money in:
- People. I used to be stingy in treating people to meals. But over the years, I’ve learnt to be progressively generous, simply because people have been exceedingly generous with me. Nowadays, I’m always quite happy to foot the bill, especially if I am fellowshipping with a young person who has lesser resources. When people buy me meals, they indirectly tell me that I’m worth their time and money. And so, I pay (pun!) it forward – I hope my young people will feel the same way too – that they are worth my time and money. (Pun!) I’m putting my money where my mouth is. (I can also instantly detect those who are out to exploit this…)
- Knowledge. The older I get, the more I spend on books, seminars, conferences and audio CDs and DVDs. In fact, I just took advantage of the Desiring God July DVD sale and invested good money in some DVDs which I will be sharing with my cell. As for gifts, I also find myself buying books because I think that there’s nothing better than to give my friends the gift of knowledge. Besides, this is one investment that can be passed around, shared and revisited.
- Perspective. Lastly, I always enjoy expanding my horizon of perspectives and there’s no better way to do that than to visit new places and to do new things. I try to go on a couple of vacations every year and I always try to visit new destinations. I enjoy investing into my worldview (and sabbath too!). I get a kick from meeting new people, learning new languages, visiting new places, immersing in new cultures, tasting new cuisines and enjoying new experiences. And as a budding preacher, I believe that all these new perspectives will empower and enhance my ambitions to be a more dynamic and balanced communicator.
People, knowledge and perspectives are indefinitely more valuable than material possessions and I’d gladly invest extravagantly on them. Apart from these three items (at this point in my life), the rest of my money is really spent for function’s sake, like functional eating and functional travelling. My question then, to you, is:
What do you invest your money in?
all of us are gifted.
Recently I had an opportunity to catch up with an old friend and he shared with me how he rejoiced with his wife when his son finally uttered, “Mama”. I rejoiced with him for it was a breakthrough for their family and when he shared it with me, he communicated a gratitude to God that nothing in the world could manufacture.
I juxtaposed it with parents who constantly berate their child for not doing better than their cousins, classmates, neighbours and whoever they could conveniently use to destroy their kid’s self-confidence and beliefs system. I remember telling HY that we’ve gotten it all wrong and have become complacent for the things that we ought to be thankful for. The more I hear it, the more I find “better than” a repulsive phrase.
That one-worded “Mama” was a gift from God to his child; as he shared his delight with me, I couldn’t help but to thank God for giving us speech – and I told HY that all these seemingly basic functions are truly gifts from God. I told her that in the future when we do have children of our own, we should be thankful for everything that the child has – speech, sight, hearing, limb movement, cognition, health and even something as taken-for-granted as daily breath! And not wish that our child is a pianist prodigy, artistic phenom, mathematics maestro or a kid with elephant memory (or not). Unfortunately, we have been conditioned to think that that’s being gifted, but we have forgotten that everyone is gifted – your ability to inhale and exhale is the gift of life from the Giver of life. Let’s not fight the wrong battles.
It wrenches my heart when I find out how my youths struggle with their (“inadequate”) academic achievements, because most times they’ve gotten it all wrong – they seek the result instead of the process; they seek a resume instead of academic returns; they seek worldly covetousness (wanting to be better than someone else) instead of godly contentment (wanting to be the best that God has designed them to be). I believe that our mentality is messed up because of the way we have been brought up (and this is no fault of ours). However, we should be careful not to pay it forward to the next generation.
At the end of the day, these pursuits amount to nothing all that significant. I so wished that I could hold their faces in my hands, look at them in the eye and tell them, “Come on, do you REALLY think that a C grade or a ‘regular’ CV could stop God from fulfilling His purpose in your life?” Oh, we of little faith; we ought to be dismissed for thinking that our destiny is determined by our downfalls. When will we finally learn that the sovereignty of God far exceeds earthly meritocracy?
Let us all take a step back to recalibrate our compasses, unless of course you have already decided to raise your child in the exact same manner that you have been raised. Let us remember that life in itself is the greatest gift and that we ought to be thankful for it. Let us not go overboard in seeking additional gifts instead of the Giver Himself. Don’t get caught in the world’s definition of “gifted”!
what does it mean to give?
I snapped this picture at the 777-feet Seoul Tower, located on the summit of Namsan Mountain, South Korea, where stalls upon stalls displayed little knick-knacks for sale. I aptly titled this photograph, “Useless”, simply because (almost) everything in this picture is. Why do we even bother buying gifts of little or no practical use? This reminds me of what it means to give.
Christmas is a time of giving and receiving. The gift of God is in His Son, Jesus Christ. The gift of Jesus Christ is His own life. I’d like to think that Jesus could have chosen not to die even though He was sent to die, hence I refuse to take for granted His sacrifice for me on the cross. With Jesus, it was solely Him giving and us receiving. So, what could we actually give to Jesus?
Try as I may, I am unable to find anything worthy to give to Jesus as a form of reciprocation. Even if I were to give my life – and that’s about all that I can give – it is still an unworthy gift. To better grasp the unparalleled gift of Jesus, I realise that I could neither out-give my mother’s 26 years of sacrifice nor HY’s gift of purity; regardless of what I do now, I will never be able to give my mother or HY the equal value of their gift to me.
I cannot imagine being born to die. That statement may be extreme, but even if I were to water it down, I still cannot imagine being born to give. I’m inclined to think that we have been wired to receive, regardless of how generous we have been raised to be or innately are. Every fibre of my being longs to receive more – pleasure, love, happiness, etc. It takes effort to give – at least for me it does.
And so this Christmas, I’d like to give to Jesus the best gift, still unworthy as it may be, that I can ever give right now – my future – because it is unknown to me and out of my control. Join me then, in rededicating and surrendering your life to Jesus once again as He dedicated His whole life to you. It is my earnest prayer that you will find new faith, hope and love in the Lover and Savior of your soul. And just to put the icing on the cake – He’s also the Creator of the heavens and the earth, and He lived to die just for you.
I conclude this entry with lyrics from two Relient K songs that made me tear the first time I heard it – “Give” and “I Celebrate The Day”.
“I’ll give, give, give – until there’s nothing else
Give my all – until it all runs out
Give, give – and I’ll have no regrets
I’ll give until there’s nothing left
I’ll give”“And the first time that You opened Your eyes
Did You realise that You would be my Saviour?
And the first breath that left Your lips
Did You know that it would change this world forever?And I, I celebrate the day
That You were born to die
So I could one day pray for You to save my life”
Have a blessed and meaningful Christmas, dear readers. (:
joey asher | misunderstoodsunshinekid 