_{Exploring the dice, seasons, and time cost}

Happy Thursday! Thanks for reading Intentional Dollar — where we look at old money ideas through a new perspective.

What’s inside?

• One tool to experiment with

• Two quotes from others

• Three questions to dig deeper

• Four lines of poetry for the point

Disclaimer: This is not investment advice. These weekly posts represent my simple thoughts, a few quotes, and some questions — for educational purposes only.

_{One tool to experiment with:}

The Dice

There’s this idea that you can increase your luck, or expand the surface area of the luck you encounter.

In this way, you can sort of shift the odds of good things happening in your favor. You increase your luck surface area by going down productive paths.

Last week, we talked about the chance a non-basketball player wins a basketball scholarship — it doesn’t happen; it’s practically 0%. But that opportunity could exist to a basketball player, a basketball player has a non-zero chance. And following this analogy, performing the right money actions can and will open doors that were dead-bolted shut before. So luck does play a role.

This said, we need to break out good luck hunting from its destructive counterpart — the dice.

The dice is a mentality. The kind of mentality that approaches money with a chance-based roll. Hope without action. Hoping to land a pair of sixes and strike it rich. Hoping that things will work out. The problem is, rolling the dice and hoping isn’t a strategy for money success. And it’s no real strategy at all. It’s because this leads to the wait and see philosophy. The kind where we keep doing the same torturous things we’ve been doing, and expecting a different, lucky result. That maybe, just maybe, this time is different. But it won’t be. And deep down, you know that.

When we hope for a lucky roll, our hope chips are deposited in a chance game; the wrong kind of table to put our precious, limited resources on. Instead, put your hope behind your positive actions. That’s a productive way to have some hope.

Take a short mental walk through your daily, weekly, and monthly money actions. Are you taking the dice to any of these decisions?

“I hope I can retire at X.” I hope that for you too, and are you working toward it? Are you just tossing the dice and playing wait-and-see?

“I hope I get a raise.”

“I hope this trade works out.”

Aim for the self-curated good luck. And remember that you get this right type of luck by walking down the paths paved from small positive decisions. A little here, a little there. You earn this luck as you go. It doesn’t just happen all at once, and it’s not going to happen if you take a seat at the wait-and-see station. You’ll see a lot, but you won’t experience any of it.

_{Two quotes on seasons:}

Seasons are a part of life. Be present in each, and ready, planting your productive seeds for the coming harvest.

_{Three questions on time cost:}

1. What’s an hour of my time worth?

2. How many hours a week do I work for my mortgage payment?

3. Would I alter how I spend my money if I looked at the dollars spent as time spend rather than mere money?

Which question stuck with you? Questions like these are spotlights for the mind. Reply to this email and let me know which one shined light on a previously dark cave.

_{Four lines of poetry for the point:}

Contact Me:

Content ideas, questions? Reply to this email or reach out to me at [email protected]

Disclaimer: This is not investment advice. These weekly posts represent my simple thoughts, a few quotes, and some questions — for educational purposes only.

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