What’s Money For, Anyway?
Let’s talk about something most people get backward: the purpose of money.
A client told me this week, “You can live rich, or you can die rich, but not both.” And while —of course— this isn’t absolute, there’s something profound in that idea.
It’s easy to fixate on savings balances or how much we’ll have in retirement. But money isn’t a finish line—it’s a tool to help you build a life you love. The real challenge isn’t just accumulating money; it’s aligning it with what actually matters to you.
Two Ways People Get This Wrong
Most people fall into one of two camps:
💰 The Relentless Saver – Stresses when their bank balance dips below a threshold, feeling guilty about spending—even when it would improve their life.
💸 The Impulsive Spender – Struggles to keep money in their account, making financial choices based on the moment rather than a long-term vision.
Both groups experience stress, guilt, and uncertainty about whether they’re managing money the “right” way. The real issue? Neither has a clear plan for what their money is supposed to do for them.
The Fix: Align Money with What Matters
All dollars are meant to be spent—it’s just a matter of when.
✅ The money in checking? Spending this month.
✅ The money in savings? Spending later this year or next.
✅ The money invested for retirement? Spending in your final chapters.
The real goal isn’t to hoard wealth or to spend recklessly. It’s to spend intentionally—whether that’s on a vacation next summer or a financial foundation for your future.
The best financial plans aren’t about restriction. They’re about clarity—knowing how much you should be spending today to get the most out of life… both now and later.
You’re closer than you think.
— Andrew
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