High-Quality Food is An Investment For Your Body

In the OMM household we have been excited recently because of a recent change in a very fundamental area of our lives – food.

Up until a few weeks ago, we shopped for groceries that were, as a majority, processed foods or foods with artificial flavors or preservatives.  At our local Aldi, we always had an eye toward keeping our grocery budget in check and buying foods that we felt were decent for us, with a few obviously unhealthy treats mixed in.

That was all until we realized that, during our yearly check-ups, our blood sugar was higher than normal.  It was starting to creep around the edge of being straight up unhealthy.  Look, I’m 25, and I want to be around until I’m at least 85, hopefully longer.  After all, how else would I truly be Old Man Mase?

After watching a few documentaries on Netflix, Forks Over Knives and Food Inc., Mrs. Mase and I became convinced that changing our diet was something that needed to happen.  Now, we shop at a different grocery store with healthier options, and strategically cook meals that are based around eating a lot of fruits and vegetables (minimizing meat and dairy, specifically).

whole_foods

Honestly, eating veggies has never been something I’ve done on a regular basis; not since I was a kid anyway.  I feel bad now because I realize all of the good nutrients that I’ve been denying myself.  I mean really, especially in a time in my life of such abundance, why have I been putting loads of high fructose corn syrup into my body, in one form or another during almost every meal?

It’s one of those things where I knew I wasn’t doing the right thing, but kept doing it anyway.  Seeing my glucose numbers has helped motivate us to take action to eat better.

The thing is, this isn’t just about us.  It’s also about our future family – the kids, grandkids, and their families that we will have in the future.  We want to be around to spend time with them and create memories with them later in life.  So, instead of looking at eating well as a burden or a chore, I’m now starting to look at it as an investment in my future physical self.  If I’m not around when I’m in my 80’s and 90’s, I’ll lose out on all of the memories that I could have made during those years.  Not to mention, I’d also lose out on all of the material benefits of being alive when compound interesting is working the most in my family’s favor!

As part of this endeavor, I’ve also been tracking my weight to see how it is affected by these changes.  I’ve heard it said that weight is more driven by diet than it is by exercise, so consider this a test (I don’t do any hardcore exercise right now – just a few pushups every other morning).

So, consider this a reminder that every choice you make is an investment in your future self – in this case its physical.  Every calorie that I choose to eat or don’t eat – as well as the type of calories I’m putting into my body – is going to determine how I am physically in the future.  That’s not to say we’ve cut out delicious treats completely – we’re just drastically reducing the amount of sugar, fat, and artificial flavors that we eat.

The Dark Side of Frugality

This story starts back in November 2013.  We were still only about a year removed from college, and were working our way through the beginning phases of striking out on our own financially.  At the time we had a hefty AT&T bill coming every month, and knew that in order to more efficiently pay off our new place (we had moved in a few months prior), it would be a good idea to find a way to trim that expense.

We wanted the mortgage gone, ASAP.  Although we knew switching cell phone plans wouldn’t be a monumental shift in our budget, it would matter, and ultimately save us a lot of money as the months rolled by.  Around the same time, I had already been exposed to the personal finance scene online but had just gotten around to discovering Mr. Money Mustache.  His review of Republic Wireless and their offerings really opened my eyes to the other types of phone services that are out there.  It was amazing to me that this was so unknown to the general public.

As I write this is the spring of 2016, rate competition in the cell phone business has definitely gotten fiercer than where it was in 2013.  Now, you’ve got the big boys (AT&T, T-Mobile, Sprint) competing heavily for customers, sometimes offering to cut their competitor’s rates in half for signing up with them (Verizon is still the pricier big company the last time I checked – I guess they get away with it because they tend to have a reputation as a higher quality network).

However, this was not so in 2013.  It was quite common for your average Joe to be paying $100+ per month for their cell phone usage (text, talk, and a decent amount of data).  You can imagine my delight when I discovered that, with two Republic Wireless phones, Mrs. Mase and I could pay under $50 for unlimited service!

After a little more research, we took the bait and signed up for Republic Wireless, ending up with two of their Motorola Defy XTs.  Sadly, they went out of production not long after that (early 2014 I think). They’re not the best looking phones but they get the job done.  But man, compared to today’s standards, they are kind of dorky looking phones.  See for yourself:

RepublicWirelessMotorolaDefyXT

Source: http://www.prepaidphonenews.com/2013/06/with-new-phones-on-way-republic.html

Even when we got the phones delivered, they were pretty much ending production runs.  At the time however, it was the only phone that Republic Wireless offered, and it was pretty inexpensive, so we went with it.

So here we are, almost two and a half years later and we’re still rocking these bad boys.  They suffered some drops, been exposed to a lot of dirt, and surf the internet with 3G speed but hey, that’s better than the phones we had before the switch.

The charging connectors even broke on both of our phones – first on hers and then mine.  At first to compensate I would just charge up a battery via my phone and then stick it in her phone, then charge up a battery for myself.

This worked pretty well for a while – until my charging connector broke too.  Despite my best efforts, I could not get either of our phones to charge at all.  So, we now have four batteries in total that we charge using an external charging device, and we swap out the batteries routinely.

That’s a lot of hassle for some people, and understandably so.  Let’s look at the cost savings though.  If we had kept going with AT&T, our costs would have been at least:

29 months * $100/month = $2900 spent on cell phones

This is a conservative scenario, assuming no rate increases, etc.  Here’s how much we’ve spent in total over the past 29 months (about $20 included because of the extra phone batteries and charger we bought):

$1115.99

That is a difference of $1784.01.  That is statistically significant.  That is more than some people’s mortgage payments.  Is it an absolutely huge win?  No, but it’s a win nonetheless.  If that money were stuck in a good investment and left alone for 40 years (and we actually are going to be investing that savings, now that the mortgage is paid off), it would be worth $80,743.27 with a long term 10% rate of return.

And, the longer we continue to use these phones, the greater our savings are.  We actually planned to upgrade the phones when the mortgage got paid off, but we kind of looked at each other and said, “Eh, these are still working.  We’ll get new ones later.”

“Ok you guys saved some money.  So…what’s the bad part of this story?”

Let me explain.

Several months ago Mrs. Mase and I met a cool couple, not very different than us, in our various social interactions around our city.  We hung out a few times and really hit it off, and before long we considered them squarely in the “friend zone.”

As time went by we started learning more and more about each other, and they were even nearing the point of being in our inner circle of friends.  Now you see, these friends were similar to us in many ways (hence why we tended to gravitate toward each other in the first place), but spending was not one of them.  It became clear we had a very different set of priorities when it came to where to allocate our money.

When they learned that neither the Mrs. or I are on Facebook, the guy friend thought it was intriguing. When they learned that we bought our condo for super cheap, he was impressed by our savviness.  When they found out we have super simple phones that don’t accept picture messages, he laughed a little and poked a bit of fun.  Knowing that I am an engineer, and knowing that engineers are commonly known as making above minimum wage, and knowing my wife also has a solid job as well, it was strange to him that we wouldn’t just pony up and get a more up to date phone.  Ok, fine.  I can see how that’d be strange from most people’s point of view.

The problem with being in the “friend zone” phase and not the “inner circle” phase of friendship is that it is often unwise to disclose your more deep desires, dreams, and philosophies.  This could risk the friendship, as it is in a more fragile state.  Envy, judgment, or misinterpretations could easily follow without much hope for reparation, and without considerable communication between both parties.

There is no way we were going to reveal to these guys that the real reason we have such cheap phones is so that there would be that much more money available to throw at our mortgage so we could be debt free in a radically short period of time.  And, even if we didn’t have such a radical goal, low levels of consumption in and of itself can be a virtue, as can be simply wanting to avoid the constant distractions (read: endless notifications, apps, and social media) that newer technology would provide.  So, in response to this small joke, Mrs. Mase and I just laughed it off with him and continued our evening of fun and socializing.

We kept hanging out and some time later, the guy friend brought up our phones again, poking fun at it. Again, not really taking it to heart, we didn’t respond with much else other than a chuckle and a remark how we kind of liked our phones and that we considered them satisfactory.

The other night we were chilling, having a good time out in the city.  It was getting late and time to head home.  When Mrs. Mase went to pull out her phone and call an Uber for the four of us, the guy friend, out of nowhere, started laughing at us for still carrying around these dorky phones and not upgrading.  I let out a sigh of disappointment because this guy just couldn’t drop it, or at least come at the situation in a more approachable way.  He could have said, “Hey, I noticed you guys still use those phones, is there a reason you don’t upgrade?”

I’m sorry, but when someone repeatedly makes a joke about your choices that you repeatedly don’t really find funny, it becomes an annoyance.  At a certain point it becomes disrespectful because someone else is repeatedly being critical of you, and that can only be tolerated for so long.

Before I had the chance to even breathe in again after my sigh of disappointment, Mrs. Mase responded calmly but firmly, “Please, I’d appreciate if you didn’t place your societal expectations on me.  Thank you.”

That really got our guy friend going, and he went on about how we couldn’t take a joke.  To exacerbate the problem, he refused to inquire about our spending patterns in this area of life in any sort of inquisitive, humble way.  He didn’t inquire at all.  He simply continued to declare that we had out of date phones that were behind the times, and it clearly made him upset.  In fact, he actually said, “Yeah, I’m calling out all my friends right now that don’t have iPhones.  If you don’t have an iPhone by now…”

The female friend didn’t say anything, but Mrs. Mase and I tried to talk some sense into this guy and get him off of our backs over something that would otherwise be so silly to argue about.  He didn’t take it well though.  To him, we were just two cheap people who couldn’t take a joke and who didn’t want to bask in the sun rays of American consumerism.

Ultimately, he was disturbed by our unwillingness to pay for something flashy that we clearly could have afforded.

Frustrated with the conversation, he ended up leaving the three of us standing where we were, and walked off.  He ended up missing the Uber that we had called…..from my wife’s phone.  Oh well.

Alas, there is a dark side to frugality.  Neither Mrs. Mase and I have spoken with these friends since (I half expected an apology text the next day, but I guess pride is a powerful thing).  It is unlikely that we will ever be friends again.  Even if we do repair the friendship, there are some fundamentally different beliefs between us that, in spite of all of our other shared interests and similarities, will stagnate our relationship.

It truly is a shame, but it goes to show that sometimes, people just won’t get you.  They won’t get your goals, dreams, or aspirations.  And many times, they won’t even care enough to try to find out, or to honestly know the reasons behind them.

Take a look at the comments on personal finance articles in the mainstream media sometime.  When a big media outlet posts something about a couple who became millionaires by 40 or something like that you will have: a small percentage of people who think its awesome and will happily applaud, a larger percentage of people who think its cool and have some honest questions or concerns, and then a majority who scream about how “it’s not possible” or “they must have inherited their money” or some other unsubstantiated nonsense.

People believe what they want to believe, and they feel how they want to feel.  In our case, I’m glad we didn’t tell them that we had just paid off our mortgage and that switching cell phones was one of the small reasons we were able to do it so fast.  They might have feigned encouragement and admiration, but there would have been some criticism as a follow-up.

When you’re working toward financial independence and trying to live a more awesome life in general, you don’t need people pulling you down.  Being truly curious about another person’s lifestyle is one thing, but criticizing while making lots of assumptions is another.

Giving Feels Good

Source: https://commons.wikimedia.org/wiki/File:Giving_a_gift.jpg

Source: Wikimedia

We recently had the opportunity to do some unexpected giving, and it kind of took me by surprise. We were selling an item on Craigslist, and after communicating with the buyer a few times we finally met up at end of the day.

He was so grateful to be getting the item on short notice, he ended up handing me more cash than the full retail value of the product. I was sitting in my car with Mrs. Mase about to drive off, and I looked at thr money in my hand. “It was a fair trade” I thought. Then I turned to my wife.

I began to describe what the gentleman had told me as we exchanged goods for cash.  He told me briefly about his life situation and why he was buying that particular item from us (it was a gift for his daughter).  It became clear to me that this guy could use the item way more than I needed his money, even at full retail value.  He was also so grateful to be able to buy the item from me at a price beyond what I would have normally taken.

Yet, even with all of these things going on, there was still the coldly rational par of my brain that was telling me, “go home, pocket the cash, it was a perfectly fair trade”.  Indeed, it was.  But I knew there was something more going on, something that my subjective brain could not ignore.  After I told my wife more about our interaction, she could see the look on my face.  “Call him back – we can’t take that guy’s money.”

It was something I already knew deep down but was struggling to recognize consciously.  I’m so thankful that I’m married to someone who can encourage me in that way, to spur me on to do good things even when my logical brain is telling me to just make a transaction and move on.  I have to say it is one of the true benefits of being in a fruitful marriage – the ability to honestly rely on someone else’s encouragement when you yourself are struggling.

After calling the guy back and giving him his money back, I stepped back into the car to drive away.  Mrs. Mase and I felt this this wave of awesome gratitude come over us.  It is something I have not experienced in a while.  It simply reminded me that giving with an open heart to someone that is a willing and grateful receiver of the gift, is one of the most powerful things that you can do for another human being.  For the next few hours I was totally on an emotional high.  It is amazing to me how much you can change someone’s life when you do something so radically simple as taking some time out of your day to give!

So, let this serve as a quick reminder – don’t forget to always give generously.  It opens up your heart to seeing beyond yourself in the world, and, I believe, will actually accelerate the process of wealth building in your own life.  Having an abundant mentality and constantly reminding ourselves that it is not all about us is a powerful way to go through life.