Importance for Personal Finance

Personal Finance — including saving, debt elimination, investing, insurance… All these topics have been reviewed and re-emphasized and drilled to death on PF blogsphere.

Now… why is it important?

Is it because it is good to have money? That we can afford luxury when we are rich? And that we are free to do as we want?

Well, it is good to have money. I cannot deny that. I can use more myself :) But, is money that important? That many people do just about anything they can to have more of it.

Most certainly, one cannot survive in today’s modern life without money, which was invented and evolved from thousands years ago to facilitate trading. Now, it is essential to our survival. So we have to be practical and take care of this aspect of our life. To say that we as a part of current system/society can do without money is simple arrogance.

On the other hand, as the so-self-claimed highest form of intelligence on earth, is money all we can ultimately think about? Is our life just about things that we can get with money, in order to be secure and to survive? So the smartest beings on earth is stuck worrying about survival like all the other organisms?

Setting aside all the details, that is exactly what we are doing. We fight and we quarrel with each other for money (power) to be able to obtain and impose in order to have resources to survive, hopefully in the company of family and a few friends. In between, we add luxury to make ourselves feel a little better. Even when we are talking about green and saving the planet now, we are merely striving for our own survival (The planet does not need us to save it).

That’s it to human life? Wow, mind blowing…

marlows_hierarchyBorrowing from Maslow’s hierarchy of needs (not that I totally agree with the way he arranged things), I suggest that we manage our money so we can move beyond it. By that, I mean, once our basic needs are secured and that we have obtained a certain level of comfort and security through accumulation of “enough” money, it is only suitable for us to explore further about life. It’s time to ask yourself some [tough] questions. And there is so much to learn about yourself, your mind, your body, the world, the universe!

Additionally, we cannot counteract the absurdity that springs from money by managing our money better because that will only generate more absurdity. To break the chain of absurdity that which is driven by money-greed, we must move beyond thinking at the money level — the level where everything is evaluated by money.

We cannot fix the chaos of the world by doing things that will generate more chaos (which is exactly what we are doing) — in reference to entropy, which is the 2nd law of thermodynamics, with my humbly minimal understanding — so either we find a way to calm down or we let chaos increase to its maximum level at which it will plateau, and somehow the system will correct and reset itself over time.

Think of it like a video game, you cannot move to the next stage until you beat the current stage. Nobody talks about this because this is a road that is far less travelled by humans. Everyone is busy being comfortable or trying to be comfortable. It is a road without a map. It is an exciting journey yet scary at times. You have nothing to rely on except yourself… by learning and unlearning about many things and discovering yourself, you find your next step.

So the true importance of personal finance is not about personal finance.

That is, the importance of personal finance is to allow you to move beyond what the system preaches. It preaches the idea that we are to think and identify for ourselves all the things it preaches, mostly just superficial and material things. When you start to think about the greater whole, with wider perspective, you become free from your previous perspective because there is so much more now. You don’t have to try to be free. You are free. You no longer have to “deal with” all the desires to control your spending.

Take good care of your personal finance and realize at certain point that you CAN start looking further. If you do not realize, well, personal finance is personal finance. You are stuck thinking personally, mostly about yourself.

Last thing, has it ever crossed your mind that without humans, money and all the “precious metals” would be worthless? They are just what they are, a part of nature, beautiful but not worth anything. Thought I’d throw this related question out too.

Originally posted 2009-05-07 00:01:07. Republished by Blog Post Promoter

2 Responses

  1. Couldn’t you do word verification? Doing math on the fly hurts :P

    Money is in every aspect of our lives. Directly or indirectly. Friends, family, eating, career, sleeping… it all adds up to something

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