Crafting A Personal Philosophy – What Should You Optimize For?

Have you ever wondered why we make the choices we do?

For the past few years, I’ve prioritized convenience above all. Yes, that means wearing the same brand of T-shirt and shorts daily for the last 12 months. In different colors, of course, I’m not that boring! 😂

There are lots of things you might choose to optimize for:

Earning Power

Chasing income often means trade-offs.

In my 20s and early 30s, it was all about maximizing income above all else. I was endlessly chasing the next high-paying job and promotions.

It was relentless and tiring.

Now that I’m in my late 30s, I’ve come to realize the importance of balancing career aspirations with personal well-being. High-income jobs like bankers, lawyers, and medics often involve sacrificing time with loved ones.

Slowly but surely, I’m learning to say no to extra hours and understand that health is wealth, too.

Financial Savvy

Frugality is not just about saving pennies; it’s a lifestyle of mindfulness and discipline.

My mistakes here include over-restriction, leading to unnecessary stress. Is that extra Starbucks coffee cost compounded over 30 years going to make a difference to my life later?

Probably not.

To effectively save, focus on significant expenses, and maintain a balance that encourages a sustainable approach to life’s pleasures. Enjoy that damn coffee!

Set clear goals and budget for enjoyment, too.

Fun Seeking Lifestyle

Leisure is essential, carving out joy in the mundane. However, the trap is hedonism at the expense of future stability.

To integrate fun responsibly, plan events and trips without derailing long-term goals. It’s not about seizing every moment but choosing the right ones.

Quality over quantity ensures memories are meaningful, not just numerous.


I’ve never been one for flashy clothes or goods.

That being said, I do understand that keeping up with trends showcases self-expression and can boost confidence.

The misstep often involves overvaluing the external perception of personal comfort. Choose style changes that resonate with your identity and align with your financial reality.

True style reflects individuality, not just labels and price tags.

Personal Growth

Self-improvement is a journey, not a destination.

Where most people falter is seeking immediate results. Focus on consistent, small actions towards learning or skill-building. Understand that each effort contributes to a larger picture of self-development.

Have a bias towards action. (I need to remind myself about this all the time)

Action Point

Evaluate your life’s dashboard.

What indicators are most crucial now? Make sure your decisions reflect these priorities, making adjustments as necessary to keep your actions and goals in sync.

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