Remember when almost all financial advice explained ways to get out of debt and to save money? Like many others, I have written and talked about Saving Yourself for years.
Lately, with COVID concerns, political chaos and economic uncertainty stressing us out, many of us have said “fuck it” and have shifted toward a YOLO mindset. You have probably heard variations of this way of thinking:
For years, I saved money for a rainy day and then an unforeseen pandemic could have taken me out physically and financially. Fuck it, I’m spending money now.
Or, the one I use most often:
I have spent two-plus years in my house, now I’m ready to break the fuck out.
This pivot, even if only temporary, has left many of us savers in an unfamiliar position of wanting to spend money. I am ready to splurge, too.
I am traveling again and I plan to continue traveling, using all forms of personal finance to achieve this: cash, savings and credit. I don’t give a damn. That commercial for cruises with the theme song, “I want to break free,” has been playing on constant loop in my head for months.
Gone, for now at least, are all my money rules:
Forget needs, I’m all about wants, baby.
I am dipping into savings, deep into my savings.
I am using credit cards, especially those with travel benefits. Take that, sub-30% credit usage.
I am not sitting in the middle seat next to the bathroom. First class, here I come.
I survived, I deserve it.
I’ll deal with the guilt later—or never.
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