Some Thoughts On Money, Recognition, Contribution, and Predicting the Future


I will never forget the day my older brother told my parents he landed a job that paid over $100,000 a year. 

I was a junior in high school and only had one thought:

Holy shit, $100,000 is a lot of money. I want to make that much too.


I was 17 years old at the time.

Seemingly out of nowhere I went from a kid who only cared about playing video games and talking to girls to having a very real goal of some day earning $100k a year. I wanted to be as good as my brother.

I carried this goal with me through my remaining two years of high school and well into college. It was during my freshman year that I discovered the new rising field of “data science” and found that it could be a lucrative profession if you had the right skills. Specifically, understanding statistics was crucial to thriving in this field. 

I had found my golden ticket. I declared my major to be statistics. 


I was 19 years old at the time.

For the next two years I worked through difficult math and stats classes, all with the hope of one day earning my bachelor’s degree and starting down the road of earning good money.

But I no longer just wanted a high salary, I wanted the title that came with it. Data Scientist. That sounded prestigious. People would surely be impressed when I told them. Earning a lot of money and being recognized for having an impressive job became my primary focus. 

That is, until my junior year when I stumbled upon the site Mr. Money Mustache

Money, But Different This Time

I was 22 years old at the time.

Almost immediately my goals changed. In less than a week I read all of his articles along with hundreds of others from the most well-known personal finance blogs. My entire view of money changed drastically and I had a new perspective on life in general. I suddenly had a new focus: earn a ton of money as a data scientist with the intention of retiring in ten years or less. 

Fast forward two years. I got my bachelor and master’s degree and was deep in the trenches of Corporate America. 

It didn’t take long for me to realize that sitting in a cube 40 hours a week took a toll after a while. The work was interesting, but I dreaded everything else. The commute, the performance reviews, the unnecessary meetings, and the office politics had become a pain. At some point I began to think is 10 – 15 more years of this worth it? 


While trying to figure out this dilemma of getting around working for another decade to achieve financial independence, I began to dive into different fields. I read books on philosophy, psychology, and habits. I listened to a variety of podcasts from Tim Ferriss, Sam Harris, and Jocko Willink to name a few. 

Without realizing it, I was on a quest to discover the secrets to living a good life. The more I listened, watched, and read different sources, the more I began to notice trends. The people who seemed to be the most content in life were the ones who focused on connection, growth, and contribution. The people who were most excited to get out of bed each day seemed to be the ones who had found work they loved.

I felt more confused than ever. Is the secret to happiness not working at all or is it doing work you love? And how does personal finance fit into all this?

I thought about these questions constantly. As I continued to read books, listen to podcasts, and gain knowledge, I slowly began to develop my own framework and started this blog to share my thoughts. My overarching belief on life (at this point) is:

Life is about meaningful relationships and meaningful work. And it just so happens that mastering your finances allows you to do these two things more effectively. 

I feel like the goals of younger Zach were well-intentioned. I just wanted to live a good life. That’s why I thought money was the key, then I thought recognition might be the answer, then I thought early retirement could be the solution. 

The more I think about it, the more I think early retirement can be the solution for some people, but the more general solution is simply to not let finances hold you back from living your best life.

Whether this means saving up enough money to be completely financially independent or simply having enough in the bank to keep financial fears at bay, there are many financial solutions that can be the right answer. More than ever I am open to the idea of mixing passive and active income for maximum happiness.

Predicting the Future

Right now, at age 24, I feel like I have found many helpful pieces to answer this puzzling question of how to live a good life. But I don’t have all the answers yet. I know that contribution is important, but I don’t know exactly what that contribution should be. I know I like writing, coding, and being a creator. But I don’t know the exact thing I should be building to bring the most value to the world.

My goals at 17 were radically different than the ones I had at 19. The ones at 19 were different than the ones at 22. And now, at 24, I have a different view again.

I can’t predict what 26-year-old me or 30-year-old me will choose to pursue, but I do know one thing for certain: I will be glad that I decided to save money while I was young. The money I’m saving now will give my future self tremendous flexibility to pursue whatever type of work I want.

Predicting the future is hard. And while I might not know my exact purpose in life or the most valuable work I should be doing yet, by saving money I’m giving my future self the best possible chance at doing that work without being held back by financial struggles. 

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Full Disclosure: Nothing on this site should ever be considered to be advice, research or an invitation to buy or sell any securities, please see my Terms & Conditions page for a full disclaimer.

10 Replies to “Some Thoughts On Money, Recognition, Contribution, and Predicting the Future”

  1. Great points! You’ll almost likely find different perspectives and goals in the coming years.

    I’m 33 now, and perspectives have absolutely changed every couple of years as I’ve continued to learn and grow.

    Having focused on saving / investing, you should have the ability to create and leverage optionality. As you said, no one knows what you might want in the future – even you until you get there.

    1. I expect my perspectives and views to continue changing as I grow older, it’s just the natural process that comes with learning and growing. And great point, most people can’t predict what they’ll want in the future, there’s just too many changing variables. Thanks for the feedback, Mike 🙂

  2. You’ll probably never regret saving money. Certain people are just hard-wired as savers I feel like and it becomes natural for them. Others can do it too but have to shift their mentality a bit. Your views/goals may change a bit as you get older, but the infrastructure will probably stay pretty much the same; at least it has for me….so far 🙂

  3. Maybe the most valuable work you should be doing is always the work that you’re doing right now? Right now, every time you publish a blog post, you inspire, motivate, and educate. Pause a moment and consider the ripple effect of the value that this good work brings to the world.

    As long as you continue to approach life with your current level of curiosity and thirst for understanding your purpose, the work that you’re doing right now will always be your most valuable work. Periodically, take a moment to look back and enjoy the growth you’ve experienced. And celebrate your many contributions!

    1. Thanks for the kind words, Mrs. Grumby. That’s something I’m trying to do more – looking back at all that I have done so far and taking a moment to appreciate my progress. I think I’m hard-wired to always strive to be better and sometimes that can prevent me from enjoying all the hard work I have already put in. Thanks for the reminder 🙂

      I think you’re right about work too. The most valuable work is always the work I’m doing now. I actually hadn’t looked at it this way before, but I like that view and I think it makes sense. Thanks for your insight 🙂

  4. Awesome, really enjoying your perspectives Zach! I can relate to the path you’ve been on for sure. Agreed, predicting the future is hard and we all change with time.
    Pursuing a path that gives future Zach options and flexibility is a great plan. The best thing about FI taking time to achieve is that we have a while to work out the right balance of living for now and planning for the future. Keep up the thoughtful work mate! Definitely keeping me inspired.

    1. Thanks, Mr. Mofi! I like that phrase you used “we all change with time” because it holds so much truth. The things I cared about most a few years ago are not longer as important to me, and undoubtedly the things I care about most in a few years will be different as well.

      I appreciate the kind words 🙂

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