Just for a moment, set aside your workaday frustrations and anxieties to dream a little. What if you suddenly had enough money that you never had to work again? What would you do or stop doing? How would your life change?
Take a few minutes and really think about this. Write some ideas on a piece of paper. Wallow, if you will, in the notion of a life where you can really do what you want.- Quick quiz: 10 questions to estimate your credit scores
Oh, yes, I can hear the curmudgeons grumping. No, you're not going to win the lottery, and no rich auntie is going to die and leave you a fortune. But this little exercise in fantasy has a real-life point, which I'll get to in a moment.
When I asked my Facebook fans to play along with the "What would you do if you won the lottery?" game, I got some wonderful responses:
"I would go back to school to study for something fun, that I never had money or time to do," said Maria Tsitrin of Detroit. "I would take several years off and spend more time with my kids, have a much-needed vacation, buy a nice, but not luxurious house and send kids to private school."
"Pay off my mortgage. Fix up the house a little. Work with someone to invest wisely. Keep my job, but hire another assistant to help with the stuff I don't enjoy as much and to help me accomplish more," wrote Darren Kipfer of Gaithersburg, Md. "Take my lovely wife on more special trips/mini vacations. Do a nicer family vacation in the summer. Give more to my preferred charities."
Then there was the bold know-thyself take of Scott Hartman of Waukesha, Wis.:
"I would like to think I would be responsible and use the money wisely, some travel, help my family and those in need," Hartman wrote. "But who am I kidding. I would most likely blow it all on booze and strippers and be broke in a year."
Why wait for a lottery ticket?
Actually, most of the responses had a lot in common. People overwhelmingly wanted to:- Pay off all their debts.
- Help their families.
- Donate more to charity.
- Pursue their passions, including travel.
Now we come to the point of this little exercise. What you've actually just done is express your deepest, most-heartfelt goals. These are the things that are truly important to you, once all the static of bill paying and stuff buying and "why don't I have what she has?" is swept away.
Paying off debt. Helping your family. Donating more. Pursuing your passions.
So my challenge to you now is: Given that you're not going to win the lottery or inherit a fortune, what can you do, today, to start making your dreams come true?
Can you cut an expense to send more money to pay off your credit cards? Help a family member financially or emotionally? Boost your contributions to charity? Take a course, read a book or change a habit that might change your life?
Without a big pile of cash, you probably won't realize your dreams overnight, and they might not be on quite the grand scale you envisioned. But if you don't get started sometime, in some way, how will they ever be realized?
Continued: Dreaming is still free


