Have you ever sat and thought about things you wish you knew when you were younger?
Have you ever thought about how those things we could have known when we were younger could have made our lives so much better today? Couldn’t they?
Yes, it is better to let bygones be bygones and not dwell on the past, sometimes.
How many better decisions could you really have made today if only you knew about it before?
Every once in a while, usually when I’m outside for my daily walk, random thoughts about everything and anything go through my head. Some are good, some not so good.
But lately, I’ve been thinking about some things I wish I knew about money when I was growing up.
My own relationship with money hasn’t been all that great up until this past year. And it took years and years of building that relationship to get to where it is right now. I still work on my relationship with my money every day because to me, it’s an all or nothing relationship.
Would knowing what I know about money now, have helped me with my money relationship today?
We don’t know for sure, but I’m going to guess that it would have.
I wish I knew these 4 things about money when I was younger:
1. There is such a thing as a money relationship and it affects your money and what you have and don’t have.
I learned just about nothing about relationships when I was growing up. It didn’t matter if it was human relationships, online relationships or money relationships. My parents didn’t have many relationships in their lives, so there wasn’t much they could teach us. So just about everything I know about relationships, I’ve learned from my own research, from mentors in my life and from observing others in my life.
2. Everything there is to know about credit, debt and loans.
This is the biggest topic that I see a lot of people say, “If only I knew then what I know now…”
And since you can’t go back in time, you can only go forward and apply what you know now to the future, you can change your actions going forward. True, it doesn’t help you from the past, but it can help you not make the same decisions you made back then.
I was one of those stupid college students and I mentioned it in my blog post about my biggest money mistake. I am still paying off the debt from my college education, but all of the lessons that I’ve learned from paying off this debt, I’m applying to today and not getting into more debt. You can only go forward and apply the lessons you learned today to tomorrow.
3. All about investment and retirement accounts and how beneficial it is to start this process as early as possible.
I still know very little about both of these types of accounts, but am learning more and more on a daily basis. My parents didn’t have investments or retirement accounts growing up because they didn’t have any extra money to invest to save for the future. And I didn’t use to either, until I started building my relationship with my money. So I’m learning more on a daily basis about investments so that I can very soon start my investing process.
4. Being rich or poor is a mindset and you can easily change your situation by starting with your mindset.
Everything I know today about mindset is something that I taught to myself and learned from other mentors that I’ve had in my life. I didn’t learn anything about mindset when I was growing up and how the mindset you carry with you really does affect every single thing in your life. But just the little bit that I have learned, has affected every area of my life. I went from depressed and miserable to being happy every single day of life, no matter what was going on, just by learning about mindset. And because I am such a happy person today, my life is that much better too. I love my jobs and I love my life.
How do these 4 things help me today? They help me to continue to move forward and keep building my relationship with my money and paying off my debt. And they help me even more because I can teach my children about as much as money as I possibly can and instill in them a positive mindset and money relationship from the very beginning.
We can only teach our children what we know today. And our children can teach their children what they have learned in their lifetime.
That is also why we know what we know today, our parents could only teach us what they knew and learned when they were growing up.
Wanting to know things years ago can’t be done (at least not yet anyway). You can only move forward and implement what you learned today.
Are there things that you wish you knew when you were younger, know today and will be teaching it to your children?
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About the Author | Clarissa Wilson
Clarissa is a money relationship coach and an online business bookkeeper who helps women build their relationship with their money so that they never have to rely on anyone else for money in their life. Wealth consciousness and working on it daily as the way to help you improve your relationship with money every day. When you check out the books being reviewed here, you can easily start to work on your wealth consciousness regularly.