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The Go to Hell Fund

 

Years ago, an elderly gentleman friend of mine gave me a piece of advice.  He said that true personal freedom comes from having the resources that create the ability to tell someone to ‘go to hell’ metaphorically.  He said that everyone regardless of race, gender, or income level should have a nest egg stashed away with at least 4-6 months worth of wages safely held aside.  With that amount of income in savings, one has the ability to say ‘no’ to things that do not serve them.  Too many people are stuck in bad situations because they don’t have the financial resources needed to walk away.  With enough money to live off of for 4-6 months, one can leave a bad relationship, quit a job that they hate, or be completely ready if they should suddenly find themselves unemployed and looking for work.  The Go to Hell Fund gives you the ability to look adversity in the face and thumb your nose at it, knowing that you have the time and resources needed to change the situation into something that works for you.  

 

How many of us have found ourselves in jobs we hate because we can’t afford to quit?  We have unethical employers wanting us to cheat the customers, we are unappreciated for our long hours and efforts, or we are simply underpaid compared to the industry standards.  Often, because we are in a hurry to find something else, we simply take the next decent looking job that comes along instead of really analyzing what we want to do with our career and in what direction we’d like to go next.  It’s all too common that people will Ping-Pong between jobs in the early years of their employment.  During this time, they can very well find themselves jumping out of the frying pan and into the fire in an effort to leave negative work environments and tyrannical bosses.  It doesn’t take very long before bitterness and hopelessness takes effect.  What’s the point in even trying to climb the Ladder of Success when you just keep running into one bad job after another?  A Go to Hell Fund gives you the ability to get off the endless treadmill and take your time finding a new career path that will take you somewhere better than where you have been.

 

How many women have stayed in bad relationships because they couldn’t afford the moving costs needed to relocate?  Most women in domestic violence situations are unable to leave because of financial challenges.  A secret Go to Hell Fund makes it possible for these women to escape a bad marriage and to start over somewhere else.  

 

How many of us have found ourselves unexpectedly unemployed because the company we were working for downsized to stay afloat during the recent economic hard times, were laid off due to corporate restructuring, or the boss had to close the doors and file bankruptcy?  Unemployment benefits help, but they certainly don’t cover the costs of housing, utilities, and groceries for a family.  A Go to Hell Fund makes it possible to take your time finding the right job for you rather than to simply grab the next one that comes along because you’re desperate for money to support your children.

 

Since most of us are not going to win the lottery or inherit a sizeable nest egg, we have to build it ourselves.  It takes self-discipline to create a Go to Hell Fund.  You have to say ‘no’ to all of those little extras like going out to eat and buying the latest CD from your favorite artist.  Most folks in the start up stages of their careers don’t have a ton of left over money at the end of each month that they can dump into a savings account.  We tell ourselves that we don’t earn enough to save anything, but I promise you that if you seriously analyze and weigh the value of each and ever dollar that leaves your bank account, you will find little ways here and there to stash a bit aside each month.  The most difficult part about creating the fund while still working entry-level jobs is finding the self-discipline to not touch that savings account.  

 

It has to be held sacred.  This is not your Rainy Day Shopping Fund, your College Fund, your Emergency Car Repairs Fund, your Retirement Fund, or your Ultimate Dream Vacation Fund.  One of the biggest mistakes people make is to have one savings account for all of these various needs.  They are all unique and different and each one should honestly have it’s own account with it’s own rules about when you can and cannot withdraw the monies out of them.  Yes, it is very difficult to set up all of these different accounts and to monitor each one, but they all have their special place in creating a life of abundance and prosperity.  So many of us live to the limit of our paychecks without giving consideration to how we can create all of these safety nets and personal reward systems.  Rent a smaller apartment, buy a more economical car, shop at thrift stores, barter and trade for goods and services as often as possible so that you won’t need to use all of your paycheck just to get by.

 

It’s no easy feat to create the fund, but few things will give you more personal satisfaction and more personal sense of well-being than knowing that you can walk away from those things that you disagree with.  The Go to Hell Fund is the fund that gives you real freedom to create the life you choose.  It gives you the ability to walk away from negativity, to protect yourself from being used and abused by others, and it’s the fund that says, “NO!  You can’t make me do that anymore!  What you’re doing is wrong, and I won’t participate.”  You may never say the words, but knowing that you could will make you richer than you’ll ever know.

 

Copyright 2005, Skye Thomas, Tomorrow’s Edge

 

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