I am ambitiously lazy. I have been making extra money, aside from my full-time professional job, but in my own comfort zone, barefaced and un-shaved legs, while sitting under a warm comforter on my bed in my pajamas and drinking coffee from my favorite mug. For a woman in her early 30’s, it is a freeing concept to make money whenever and wherever, without having to wear make-up, contacts, or a bra. I do not have to face anyone, look older and mature, or try to wear work attire that is not too tight or low or short to make more money. Best of all is that I do not have to be told what to do within a 9-to-5 timeframe to earn money, I can make money my way and on my terms.
To do this, I had to first take a step out of my comfort zone. In order to live comfortably, I needed to be uncomfortable first. This means deviating from the standard and taking the risk to be different. Consider this analogy: instead of hiking up on the wider, paved trail to the mountain peak of success like everyone else, I decided to take a less traveled, alternate route. It was riskier and steeper and the path may or may not have reached the mountain peak at all. I may have encountered obstacles, slip, or fall. Though, despite all the uncertainties, it was my choice to create my own path and decide where I go next. Even if the path was more difficult to climb and required a bit more work, my path could potentially lead to the peak faster.
For a long time, I was like everyone else. I was not the fastest or slowest person on the conventional path up, but I was going at a decent pace in achieving academic and professional success. I was also following the usual path of a woman in finding the “one”, getting married, and building a family one day. All of my girl friends were doing this, so I was doing the same without missing a beat. I got married last year and my wedding day was truly one of the best days of my life. While the route I was on made me feel stable and secure, I was not fulfilled. My sense of purpose was lacking, even though I did all the right things, stuck to the same path, and was careful not to disturb the status quo along the way.
Career-wise, I was chugging and grinding along like I was supposed to by having a regular job and just getting paid for doing good, honest work. Yet, I found the work unrewarding and felt trapped in a cycle of dead-end responsibilities. For the first time in thirty years, I wanted to quit a job for one that I actually wanted, not because of any life reasons or because it was the only company that gave a job offer. After achieving financial stability, I wanted to choose what I wanted to do and for the salary I wanted. This meant straying from the norm and leaving a four year job that would have made me terribly unhappy if I had stayed for another 30 years. And so, I stepped out from the conventional path and into the bushes.
At first, it was prickly, uncomfortable, and the unfamiliar terrain made me very nervous. Nobody was guiding me forward, I was on my own. I kept going though, treading carefully and purposefully. I negotiated for a higher end salary at my new job that I wanted and successfully got it. I spontaneously traveled to South Korea, a country I have never been, within three weeks of my decision to go. I did a freelance project designing a front yard residential landscape and was involved in the entire construction process, which is now built and enjoyed by the owners. While I have never done any of these before 2018, I was carving my own path.
As a petite Asian woman in her early 30’s, I seemed to be going against every traditional, cultural and social norms. Being different meant being isolated from a social circle of friends and acquaintances who were doing things by conventional standards. While a handful of my friends were having babies, I was pursuing side ventures. While they were focused on planning their baby showers or baby rooms, I was focused on my self-worth. It was a solo journey and it did feel lonely at times to be detached from conversations about family planning aspirations and expensive daycare costs. But I wanted to increase my income, to travel to places I have never been, and to create something I called my own. I did not want conventions to define me, I wanted to define myself.
It is easy to take the conventional road to success because it does lead to some guarantees and promises of financial security by relying on a steady job of 50 years, the safety net of social security and government handouts for retirement. It does not require much thinking or creativity to follow this path, as long as you work hard and long enough to reach the peak. I believe at some point in time this path may have worked in the past, but it will not make anyone a millionaire today. If anything, those who follow this path now would be unhappy, unmotivated, and even in debt. To actually get to the point of making money without a bra or any make-up on, you will need to break away from these conventions and start making money by doing things you like, not what you have to do. In the long run, you will make more money by doing things you are interested in and, once you do, you can make even more money your way.
Investing in myself was probably the most profitable decision I have made in my life. It allowed me to make more money than I ever thought and now I have the ability to make even more by investing. It has been rewarding to do things on my own. It is a new high that I have discovered and the more I do this, the more of this I want. Plus, my side ventures did not feel like work at all because I enjoyed doing them. I also did not need to work ten times harder to get ten times the results. It was true that I worked longer and I needed more brainpower to push through, but I did not work harder. I did what I normally do when doing something new for the first time, which included many hours of researching and reading. I also talked to friends for some guidance and advice who were long-time veterans of these situations, like negotiating for a higher salary. If you are open to continuous learning and gaining new skills, then do not be afraid to ask for help from others who have succeeded in doing so.
Now that you have a steady income flowing and presumably have paid off all debts, the fun part begins: it is time to make more money by investing. In the next Part II post, I will explain techniques on how to earn compound interest, how to conservatively make money from the stock market, and how to maximize your 401(k). Truthfully, if you choose to invest in yourself, all the other parts of your life could be very rewarding – professionally, socially, and financially. All it takes is a first step off the conventional trail.