On Using Money to Grow Life’s Plants

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2 min read

The sole purpose of a garden is to grow plants. But those plants can’t grow without the right conditions in place.

Soil needs to be tilled.

Seeds need to be planted.

Weeds need to be picked.

Plants need to be watered.

Fences need to be built.

Life is a lot like a garden. Except the plants are meaningful work and relationships. These are the things that make life worth living. They’re the things that give us purpose.

But they also need the right conditions in place to grow. After all, it’s hard to do meaningful work and develop strong relationships if you have to spend most of your time worrying about how to pay the bills each month.

Without savings, you don’t have the luxury to find meaningful work. You’ll settle for work that provides a paycheck.

Without savings, you have to spend more time earning money. This means less time to grow relationships. Less time to spend with people you care about. Less time to create experiences and make memories.

Fortunately, there’s a tool that we can all use to create the right conditions for meaningful work and relationships. It’s called money. And used correctly, it can give us the time needed to grow the important plants in life. We just have to do a few things right:

Debt needs to be eliminated.

Monthly spending needs to be tracked.

Monthly income needs to grow.

Savings need to be invested.

By doing these things consistently, it’s only a matter of time until the right conditions are in place for life’s plants to grow.

But it’s important to remember that there is no point in having the world’s best garden if there are no plants.

Likewise, there is no point in having the world’s fattest bank account if there is no meaningful work and relationships.

Keep that in mind on your own life journey. Money itself is not the end goal. Money is only needed to create the right conditions for meaningful work and relationships to grow.


My favorite free financial tool I use is Personal Capital. I use it to track my net worth, manage my spending, and keep an eye on my monthly cash flow. It only takes a few minutes to set up and it makes tracking your finances simple and easy. I recommend trying it out.

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2 Replies to “On Using Money to Grow Life’s Plants”

  1. Hi Zach,
    I will just add that once all that gardening is done, the abundance is to be enjoyed, nurtured and tended to in similar but also different ways as the years pass by. Over grown plants need to be trimmed back. Decisions need to be made on struggling areas and plantings. And perhaps as we age, our tastes change and the sun shines in different spots than the past. Then, a changing mix of plantings may become more appropriate and a harvesting strategy developed and deployed. Tom

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