Am I lucky?
Am I lucky? I suppose so. I was lucky (if that’s the word you want to use) to have been born healthy, to some loving parents, in a functional family, in Canada. I was not born to some crack heads, or into some war-torn country, or worse.
Compared to most families though, we were in no way well off. Only my dad worked and he had a blue-collar job. We had no car, ever, and we had only one working TV with no cable. To pay for college and accommodations while studying, I had to rely upon student loans. No, my parents couldn’t pay for that for me. In spite of that lack of an abundance of money, I’d still consider myself lucky, or fortunate. That said, I really hate it when people use that word to describe us, especially relating to what we’re doing. It implies that we received some gift of the gods and that is what has allowed us to go sailing.
Everyone who has read this blog knows the most recent steps of how we made it happen (post 2008), but we still get emails and messages from people asking how we (or they) can afford it? Here is the back story… it’s really not that complicated.
- Don’t spend everything that you make.
- Save and invest the difference.
- Live reasonably frugally.
- Do not borrow money for non-appreciating assets.
- Buy a boat, with cash.
- Go sailing.
- Repeat as necessary.
Assuming you were “lucky” like I was, is it more complicated than that?
If you need help with the money bit, buy and read this book: The Richest Man in Babylon