If You’re Not Happy or Healthy, What Is the Point of Being Wealthy?




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I have many character flaws. This I know. But there is one thing I’m really good at – finding the positive in every adversity. I have found this skill, this ability to extract the lesson or silver lining, to be invaluable in my journey. It’s required me to develop a keen sense of self-awareness and an open mind. It allows me to convert, rather than accept, the cards I’ve been dealt, and to try to play the best hand I can.

Currently, I am leaning hard into this ability, by necessity.

For most of my youth and into my early twenties, I thought I was physically invincible. Don’t we all? I took on unsustainable workloads. I did workouts without regard to the long game – the ability to stay active into my golden years – all because I forgot to check my ego at the door.

I was recently interviewed on a podcast, where at the end of the show, this all hit me like a ton of bricks. One of the hosts asked me, “If you could fulfill any desire, what would it be?” Without skipping a beat I told them that I want nothing more than to be “helpy.” We all had a good laugh, realizing that I’d clearly jumbled some words together, thereby inventing a new one: “helpy.” My brain was moving so fast that my mouth couldn’t keep up and I ended up combining two words: healthy and happy. Spontaneously, I expanded on this and said, “If you’re not happy or healthy, what is the point of being wealthy?” This is something I have internally always known to be true but it was the first time I had said it out loud.

At that moment it all clicked. Sure, I have written it more than once on this blog, and certainly tried to abide by it on a daily basis (sometimes achieving it better than other times), but truly internalizing the belief that money is just a tool to live well and give well? Maybe not so much! Which came as a surprise to me in that moment, as I felt it click in my brain: Wealth should only exist to augment our ability to optimize our lives around the things that keep us happy and healthy, or “HELPY.”

In order to reach my current stature in life, I had to make sacrifices. I don’t regret those sacrifices and I’m proud of what I have accomplished in a short period of time. But it’s become clear to me that I need to recalibrate. I am disappointed with how little time I’ve carved out to maintain my health, and I am paying a price for that now. Being active is something that keeps me both happy and healthy and yet it was the first thing to fall down the priority list in the pursuit of my career and wealth building goals. And to think, I once described myself as a fitness fanatic. Instead, I was fanatical about climbing the corporate ladder as quickly as possible.

The inconsistency in my workouts made me more susceptible to injury, especially in light of my very competitive and intense nature. I ended up hurting my back in March of 2016 doing CrossFit. I didn’t know it at the time, but I actually bulged a few discs in my back trying to keep up with a guy working out beside me. Yeah…I know. The long hours at work (sitting most of the time), the lack of activity (because it was low on the priority list), followed by sporadic all-out intensity that I bring to everything I do was a recipe for disaster (especially when participating in CrossFit, which focuses a lot on compound Olympic lifts).

My back injury stabilized for a time but then got worse. This deterioration started to limit the activities I could participate in. My workouts became less frequent and the weight started to pack on – until I gained 30 pounds. As you can imagine, this only compounded the problem. It became so bad that it hurt to participate in the basic essentials of life, like walking my dog or climbing the stairs in my own home.

I knew something had to change. I put a plan together at the end of 2017 and much improvement has been made. I sought out professional treatment to fix my back. I’ve lost about 15 pounds so far by changing my diet and adding in regular exercise. I’ve built a team at work to achieve a more sustainable workload. I have also built a team to help me manage and grow this blog.

Success always comes with sacrifice, but don’t let it cost you your health or your happiness. If you, like me, have a personality that came equipped with a laser focus, you may find, like me, that this tendency can actually do more harm than good if left to go unchecked. But hey, I’ve got this characteristic, so I’m going to use it: I’ve now aimed my fanaticism towards the pursuit of the “have it all” lifestyle across body, being, balance, and business. Emphasis on balance.

The pendulum had swung too far to one side and I’m now self-correcting.

This post is to remind you (and me) to not get so consumed building your wealth that you forget to build your life. We are Freedom Fighters, wielding tools in our battle. Money is one of our tools, but it is just a means to an end. The true end goal is to leverage the wealth we build to obtain time freedom, location freedom, and financial freedom. These freedoms enable us to live life by design. Whatever the particulars of your life design, it should allow you to be fulfilled, happy, and healthy at its apex, but also along the way.

Your turn! Has it been a while since your last self-correction? Have you lost sight of what it’s all for? I want to hear from you in the comments below.

– Gen Y Finance Guy

Gen Y Finance Guy

Hey, I’m Dom - the man behind the cartoon. You’ll notice that I sign off as "Gen Y Finance Guy" on all my posts, due to the fact that I write this blog anonymously (at least for now). I like to think of myself as the Chief Freedom Officer here of my little corner of the internet. In the real world, I’m a former 30-something C-Suite executive turned entrepreneur turned capital allocator. I am trying to humanize finance by sharing my own journey to Financial Freedom. I believe in total honesty and transparency. That is why before I ever started blogging, I decided that I would share all of my own financial stats. I do this not to brag, but instead to inspire motivate, and also to hold myself accountable. My goal is to be a beacon of hope, motivation, and inspiration, for you, the reader, by living life by example and sharing it all here on the blog. My sincere hope is that you will be able to learn from me - both from my successes and my failures! Read More



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14 Responses

  1. “Helpy” I like it. It should become a thing. 🙂

    It’s just the basics of truth. Mo matter how much time or money you have. If you don’t have your health is worth nothing.

  2. You should officially patent this new word – helpy!

    Health is #1 in my mind. If your health starts slipping, one thing could lead to another and spiral downward fast. I’m just getting back to the gym after a long break and need to make sure I start off slow (to prevent) injury, yet be consistent and effective.

  3. Hey Dom,
    In the end that’s what we all want. To be “helpy”. Wealth and money don’t mean a thing if we don’t have health and happiness. I had a recent health thing and all I could think of was ‘God, I don’t care about money, just get me better again’.
    I work to keep my life balanced, but sometimes it gets out of whack and I have to bring it back to the middle. Thanks for reminding us all and I hope your back gets better again.

  4. Here’s an idea… get healthy and happy while getting wealthy too.
    I wonder if it’s possible. Our culture seems to think these are mutually exclusive. But I wonder maybe I was wrong about them not working together.

    1. I think it’s possible if you’re willing to get there slower. My experience has been that every great success or achievement has required some sort of sacrifice.

      Do you have any advice how to do it all at the same time?

  5. Exactly my point whenever friends tell me that they want to “mint” notes till 40 and then sit back and relax. When I tell then that that’s not how it works, they scoff and get back to their life because they have a 9 AM doctor’s appointment tomorrow. Surprises me that not many people realise that without health there is no wealth. They just don’t think about it that way.

  6. Definitely something everyone who wants to retire early to has to consider. There are a few reports out there that people who retire early actually have a decreased lifespan than those that work to a standard retirement age.

    I think there are several factors that likely come into play. One of the best suggestions out there is that you need something to retire to, not retire from. If your sole purpose is just to stop working at a job you don’t like, once you are able to do that, you may find yourself with nothing to do.

    This can lead to becoming a couch potato which can lead to a very unhealthy lifestyle. Other factors can come into play like emotional ones (loss of society interaction that one gets from work, loss of meaningful contribution).

    As a doctor, we can often be defined by our career. The prestige of being a doctor when you enter the workplace is lost when you retire early. That can lead to emotional issues/mentally unhealthy.

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