My big financial goal

When you’re assessing potential career paths, you’re confronted with interplay between funds, fun and fulfillment.

Choose a career based solely around your interests, say, Italianate garden designs of the 17th century, and you’ll end up in a job which is fun, but not going to pay astronomically well, and is unlikely to deliver on that critical factor of serving the greater good. If your interests are inherently profitable ones, then bravo, good sir.

If you’re prioritising your monthly remuneration because, let’s be honest, you can’t fill a petrol tank with passion, you might find a career that pays well, but could be at the expense of enjoyment and a sense of purpose. I’ve spent a good deal of my adult life in this category.

Then there’s the altruistic strategy of finding a major injustice, and setting about using your time and talents to fix it. If you’re looking for a rewarding life, this strategy is a good one. And if you’re lucky, there may be some fun to be had in amongst all the virtuosity; but it’s doubtful you’ll be heading on overseas holidays to places like Monaco.

A minuscule minority of people seem to get the balance between funds, fun and fulfillment right. I have always been drawn to altruism, and so I doubt I’ll ever be one of them. I mention all this, because right now in my personal life, I’m standing at a career crossroad. I have the opportunity to switch careers, and figuring out what to do with my life is no less daunting than it was when I matriculated in 1652.

I think I’ve found my cause

Having children irreversibly affected me. To my mind, there is no better way to create lasting change to society than to change the way we treat our children. As someone far more eloquent than me once said:

What’s done to children, they will do to society.

– Karl A. Menninger

Cry the Beloved Can’t-ry

You don’t need to be told, yet again, that this country is an economic cluster f*ck at the moment, and that the powers that be are playing politics, at the expense of the people. No one needs another depression session.

Despite the sometimes overwhelming complexities we’re faced with, I do believe there are solutions to be found. And I believe financial literacy is a way to meaningfully help children beyond just a handout.

There’s no doubt that adults and children alike need financial education. As of January, our national savings rate is -0.1%. If you’re wondering what the f*ck that means, it’s just a numerical way of saying that not only are we not saving, we’re consistently putting ourselves into more and more debt.

Help moms, help kids, help countries

If you’ll allow me to serve this food for thought with an extra helping of idealism, here’s my thinking:

If you have a look at the financial landscape women find themselves in, we’re definitely starting this journey on the back foot. How better to help children long-term, than by bringing financial literacy to their mothers? Not only would moms be better equipped to make the best possible fiscal decisions for their children, but they would be equipped to pass on this knowledge to their children as well. Beyond the immediate familial circumstances, financial literacy could be instrumental in reshaping our country.

It’s for this reason that I’m considering a FPI-recognised qualification, with a view to help mothers, and their children learn a skill which could fundamentally change their quality of life. It’s a big decision. And I don’t often find myself wearing big girl panties, and making big decisions like this. Thankfully big girl panties are roomy, just in case I sh!t myself in the process. Decisions, decisions.

– The mulling-it-over Money Mom

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