There is a board game that I like to play called Cashflow. I like to describe it as "Monopoly for Big Boys" but it is actually quite different. It was created by the author of Rich Dad, Poor Dad as an "educational" tool that is just fun to play.
In the game, you start by randomly being assigned a career ranging from janitor to teacher, doctor, lawyer, and a range of others. You get a little card that has information about your "life" such as your income, debts, bills and what not. As you take your turn in the game, you move around the board and you are given the opportunity to make different investments, mostly in real estate, that give you additional income. The object of the game is to earn enough additional income to cover all of your stated debts so that you can retire.
As is expected, if you have the career of a doctor, you have a higher income than a janitor, but you also have more bills. This means that you are able to make more investments more quickly, but you have to have more additional income to "retire".
In most cases, as the game is played the person with the janitor's job retires first.
This teaches one of the things that is stressed in the books, which is basically that if you live modestly, it is easier to invest your money and have it work for you. If you decide to spend your extra money on a flashy car or house or 110 inch plasma tv, then you do not have that money working for you, instead, you are working for your things.
This reminds me of one of the lessons from Fight Club, "the things you own end up owning you."
Taking both lessons into account, it seems logical to me to take the Tyler Durden inspired route and back away from the consumeristic lifestyle while at the same time preparing for a more modest future and retiring "early" as opposed to being a slave to my possessions until I die.
For the past 4 years I have had a BMW and while they are fun cars to drive and have all kinds of cool dripping off of them, they have drawbacks; mainly their total cost of ownership is pretty high. I have recently decided to get rid of my Bimmer in favor of a used Xterra. The Xterra is significantly cheaper, yet performs more functions than the BMW such as towing things and taking my beloved dogs to fun places. Major drawback: gas mileage kind of sucks.
I have ditched DirecTV in favor of over the air HD, Hulu and Redbox. I would probably do better to ditch all of that for books and even then explore the wealth of free literature available from Project Gutenberg.
I now buy very little "crap in a box" food that is pre-prepared and terrible for your body in favor of real food like vegetables, meat, spices, and other ingredients. Yes, it is more work because I have to prepare it. I have to plan and learn to cook myself, but it is actually easy, extremely self satisfying and surprisingly tasty.
I have a modest home and while I do not care for its location (actually I just do not care for the location of some of the other people in the proximity of my house), I see no point in spending half of my net income on a house when a fourth will do.
Many times I have talked of living in a van (or RV, or boat) and living solely from online income. While that is an extreme example, it does embody the sprit of what I want: FREEDOM.
I can close my eyes and imagine a life different from my own as it exists now. A more simple life. I would wake up with the sun, eat a simple breakfast and drink coffee outdoors. I would then prepare for my adventure for the day. That could be anything, but I believe that it would be good to seek adventure in our lives, see something new, go somewhere you have never been, try something you have never done, learn something just for the sake of learning. Later in the day, enjoy time with your family and friends, because connections with people are important for both their growth and your own. Finally, I would take time in the evening for a good book and finally for reflection on the days activities and prayer.
I understand that life gets in the way and that not every day will be like that, but the way it stands now, no days are like that and frankly, that is not acceptable.
Sometimes I wonder why I bought into this suburban lifestyle in the first place. Oh yeah, so I could have things… Now I have things I don't need and a job I don't care for. (Note to my employer, I don't hate you, I hate being your slave.)