The most important Return of Investment (ROI)

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I started investing late in my mid-40s.  This has helped me to learn, unlearn and discover myself along the way.  This is somewhat unpleasant as I realise that I am not as smart, disciplined or mature as I think.

One of my favourite quotes:

“Money’s greatest intrinsic value—and this can’t be overstated—is its ability to give you control over your time. Use money to gain control over your time, because not having control of your time is such a powerful and universal drag on happiness. The ability to do what you want, when you want, with who you want, for as long as you want to, pays the highest dividend that exists in finance.”

― Morgan Housel, The Psychology of Money: Timeless lessons on wealth, greed, and happiness

Wealth is infinite but time is finite.  If I am to rank in terms of importance (in descending order), it would be the first "time", next "health" and lastly "wealth".

One of my biggest motivations for my investments is not just getting more money but rather gaining more time.  Let us also invest in our health voluntarily now or we will be forced to spend our savings on them in the future.  In the meantime, let us save, live within our means and do not leverage.

A family vacation in Dec 2018 at Ocean Beach, Hawkes Bay, New Zealand

Money should not be the end but a means to an end.  Let us make time for the ones and things we love, making a difference.

Recommended reading - Psychology of Money by Morgan Housel

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