Drowning Financially and Choosing to Sink

Drowning Financially and Choosing to Sink

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Stop paying and start planning. In finance this is called budgeting. Yet, I recognize you have the desire, but you have not implemented the solution. Assignment of blame isn’t needed. The truth is, I’m guilty of presenting solutions without fully assessing your habits and financial profile. On your side, there is guilt related to some instances that are your fault and some that are due to ignorance. More challenging, there are also deficits that have to do with the system’s intention to keep you as a consumer.


You can choose to gain the financial literacy that will enable you to use money with intention, or you can continue to be overwhelmed and uncertain about making the ends meet. Many have a relationship with money like their relationship with the deep end of the pool. They waded into the deep end as an adult ready to take on adult responsibility. They realized quickly that they had not learned to swim. Suddenly, they were drowning. Many remain there. Before we can apply the best swimming techniques, we must save them from drowning. This is an apt analogy in financial literacy and wealth building because the response of the financially challenge individual is the same as that of a drowning person.

Drowning Analogy

At the point when you are actively drowning, someone could say to you, “Just float!” It would be ridiculous no matter how true it is. No matter how many people float effortlessly on the water, survival mode while drowning dictates your behavior. Survival kicks in.

But, you still have the choice. Will you panic, scream, and bob up and down beating would be rescuers as you flail for your life. It feels like it’s too late to learn to swim. Childhood traumas about water rush in like the water splashing in your face. You grasp at the surface as it slips through your fingers.

It’s the same way with money. People fling their money in different areas in a panic to address the debt and lifestyle they desire. They disregard financial planning and financial discipline as something people with more money do. They spoil their inner child with cars and jewels seeking to satisfy high school wishes and address generational poverty. They squeeze money tightly attempting to hang on to it only to watch it seemingly slip through their fingers.

On the next bob up out of the water, take as much breath as you can. Reorient yourself to float, and let’s learn to swim. You may have to sink for a moment but know that the pool has a definite bottom. When you reach it, you can propel yourself upward for another gasp of air.

Learning to Swim (Financially)

Of course, drowning is life or death. But, the imagery is clear, and the panic is similar. With money, look for that moment when you have some sense of calm. Take a moment to get the information you need even if it results in a loss for a short period. Reorient yourself to your least required to live. If you removed everything that was superfluous, what would be left? This is floating. Learn to utilize your money with intention. You can go to the payday lender to make ends meet, but that money will soon be depleted. It doesn’t matter if you bob up for a moment to catch a breath if you can’t get out of the drowning situation. Learn financial literacy. This is learning to swim.