They were already stretched thin… but not for the usual reason.
Not from spending too much.
From saving too much.
Here’s the setup.
A Member couple is saving 53% of their income. Already on pace to hit Financial Zen at 46. Already on the far right of the bell curve.
The last big marble we need to drop in their financial jar is long-term disability insurance. About $250 a month.
We discussed it the month before. They said they didn’t have $250 a month to spare and wanted to sleep on it.
Next meeting, I asked what they were thinking.
The husband responded without hesitating.
“We just need to figure out where to cut $250 a month from our spending.”
S L O W… T H A T… D O W N.
Already saving $95k a year. Already set to retire at 46.
And his first instinct… isn’t to save $250 less.
It’s to spend $250 less.
90% of people would have done the opposite.
That’s the difference. That’s how Financial Zen Masters think.