Remember how relieved Forrest Gump was when he learned he didn’t have to worry about money again? “That’s good”, he said. “One less thing”.


That’s sort of how I feel these days. It’s becoming more and more likely that I too will never have to worry about money again.

Here’s the reality: I am debt free with five years of living expenses in savings and investments. I have a location independent business that earns income from seven different sources and can more than pay for my life now and my fiance’s and my life together after we get married in September.

My fiance also is debt free with a nice chunk of change in savings and investments and an income that can support us both on its own (if needed).

The one thing that secures the fact that we are fine financially is that we both know how to manage our spending. Once the habits are in place, they become part of your life. I’ve been living below or within my means for over 5 years now. This is now who I am.

The Truth Is, I Don’t Have to Worry About Money Anymore

So the truth is, I don’t have to worry about money anymore. I don’t even need any more jobs. I just did some predictions of my income this year based on January and February and I’m on track for a $40,000-$50,000 year, which means there will be a bunch left over for growing my already nice sized savings/investment portfolio.

Now, I don’t take this quite as casually as Forrest Gump does. Sure, it’s one less thing. But, unlike him, I’m pinching myself saying, “HOLY CRAP”, I don’t have to worry about money anymore.

And this is a good AND BAD thing….

So you’re probably thinking… “Did Kraig just say not having to worry about money is a bad thing”. Yes, I did and here’s why…

Not having to worry about money means you now have to actually figure out what to do with your life.

And that’s not an easy thing to do.

Not Having to Worry About Money Means I Have Some Hard Decisions to Make

As Tim Ferris says in his famous best-seller (and a book I HIGHLY recommend reading), The 4-Hour Workweek, “Busy yourself with the routine of the money wheel, pretend itโ€™s the fix-all, and you artfully create a constant distraction that prevents you from seeing just how pointless it is.”

See, most of us, throughout the majority of our lives are constantly making major and everyday life decisions based on money.

We believe we need more money so we can buy our next car, or our next house or next vacation. But what happens when we finally have everything we want and need and extra money left over?

What happens is we need to face reality and it’s a harsh one. It’s the harsh reality that we now need to make actual decisions on what to do with our lives… And we don’t have money needs there to make the decisions for us.

Remember being asked “If you won the lottery, what would you do with your life?” We all think we’d know the answer to that. In reality, it’s not so easy.

Over the past year, I’ve slowly and surely built up my business from just two to three hundred dollars per month to two to three thousand dollars a month.

I’ve done it based on money reasons. I needed to support myself with my income so I didn’t burn through my savings and lose my options, freedom and independence.

Mission accomplished.

Now More Than Ever, I’ve Got Many Options in Front of Me

Now, I’ve got a business that supports me and I’ve got even more options on what to do next.

Here are just a few of them:

  • Scale my service business, Mathias Media
  • Scale my advertising, affiliate and online course business
  • Start an entirely new business
  • Get another full time job
  • Do nothing for a while

As you can see, I’ve got many options (and believe me, I LOVE options!). But, it’s challenging to make these decisions without having the crutch of “money needs” to make the decision for you.

Throughout this year, I’ll likely do one or two of the first three options I mentioned above.

It will be an interesting adventure that I look forward to sharing with all of you.

Question for you: Are you currently doing what you’re doing because of money needs? Are you “distracting” yourself, like Tim Ferris described, from making real decisions on what to do with your life?

Leave a comment below with your thoughts.