
Did you know that the average family generating $200K per year is broke? How can this be? With the cost of living skyrocketing and basic needs like college education savings, emergency and retirement funding taking so much of our monthly incomes, it’s no wonder more and more people in our society are becoming mentally ill. The average financial advisor will advise its clients to put $1K into savings, save 3-6 months of one year’s salary, invest 10% of annual income into retirement and 5% of annual income into college savings for our children. When groceries are now costing more than mortgage payments and the mortgage interest rates are at 7% for first time home buyers, $200K is simply NOT enough cash flow to make ends meet! (And this is assuming you have no financial aid or credit card debt!) The average family is turning to “side hustles” just to make ends meet. What is more, they are trading their personal freedom, self-care and presence with loved ones to do all of this working and side hustling. Stick around and I’ll show you an example budget of a two parent/one child household, uncover the contradiction between our current mental health healing model and current economy model and finally illuminate an alternative solution that enables you to create your life by design and take back your personal freedom.
The $201K Household Budget

Meet the Parkers. Jim and Eleanor live in Connecticut with their 12 year old daughter, Lucy and her two dogs, Theory and Einstein. Jim is a veteran high school teacher earning a cap salary of $102K. Eleanor is a pediatric nurse earning a cap salary of $99K. Lucy attends public middle school and is a competitive dog agility handler. One day Lucy hopes to become a dog behaviorist and make it onto the world team for agility. Her parents have decided that Lucy’s dog agility and dog training is essential for her future.
The Parker Annual Expenses:

$201K-$40K (tax free for both retirement funds, family healthcare and Lucy’s college fund)
Leaving them $161K
After 15% taxes as joint filers they will have $136,850 plus the $40K tax free money to pay the following:
- Mortgage $15K
- Electricity $2400
- Heat/gas $2500
- Water/sewer $500
- Groceries/home needs $16K
- Car payment $4800
- Car insurance $2300
- Car taxes $600
- Car registration $100
- Car emissions $40
- Home insurance $1200
- Home taxes $5K
- Dog food $1800
- Dog treats $500
- Dog chews $400
- Dog supplements $500
- Dog agility training $8K
- Vet $3K
- Clothing $2K
- Holidays $5K
- Financial aid $4K
- Eleanor retirement $10K (pre-tax)
- Jim retirement $10K (pre-tax)
- Savings $10K
- Emergency fund $8K
- Home maintenance and repairs $8K
- Car repairs and maintenance $3500
- Healthcare $10K (pre-tax)
- Cell phones $1800
- Cable/internet $1800
- College savings for Lucy $10K (pre-tax)
- iCloud $110
- Misc. subscriptions $250
- Eating out $3600
- Dog agility trials $10K
- Lucy summer camp $4K
- Tech support $500
- Dog grooming essentials $300
- Dog misc. (flea collars, etc.) $450
- Socialization/entertainment $2K
Leaving them with $6,900 for unforeseen and miscellaneous expenses. And as someone with their child in dog agility, I figured very low on above expenses. There are so many additional expenses that I did not even list here like travel expenses to competitions, dog chiropractics and seminars and other education and educational resources.

What is so important about the above expenses is that both Jim and Eleanor have reached the highest salaries they can earn. What is more, both of them work over 40 hours per week leaving them little time to add a side hustle. Jim could add a side hustle in the summer, but to save money, he does most of the home repairs and maintenance himself and chooses to do these projects over the summer.
A LOOK at the CURRENT MENTAL HEALTH HEALING MODEL & OUR CURRENT ECONOMY MODEL
In 1943, Abraham Maslow proposed a theory called The Hierarchy of Needs which was basically a pyramid listing in order human needs with safety and security anchoring the pyramid at the bottom and self-actualization at its peak. It was his belief that first we must get our physiological needs of water, shelter, clothing, etc. met followed by personal security, employment, healthcare, resources and then move up the ladder to love and belonging, esteem (respect, status, freedom) and finally self-actualization (or becoming the most that one can become). Our mental health system still uses this model today as its most valued form of human guidance. Our economy beliefs and system pretty much support this perspective as saving for a child’s education continues to be among the top advice given for future planning. And so, when we use Maslow’s hierarchy as a gauge, we can see very quickly that the majority of people in our society (including college graduates and professional people) are stuck in the bottom two tiers of this hierarchy. Rare is it to find people (and certainly young people) with status, esteem, and self-actualization. We often see those ready to retire finally reaching the “millionaire” mark and excited to finally “live freely” which is absolutely crazy to me because our current economic, education and mental health model is essentially encouraging people to plan for one’s future freedom by trading one’s current freedom for this system. And so it is that as society’s people attempt to climb the hierarchy while working 40+ hours and then tending to a home that they’ve mortgaged and caring for the children they are raising to follow this same path, it is no wonder that products like caffeine and aimless scrolling are among the top sellers and best business models. And because everyone is exhausted, there is no time to question the model or seek after another. Once the financial aid has been spent and the houses have been purchased and the debt is here, one becomes trapped in the 9-5 cycle to pay if off. But what if there was another way?

Healing has more ideas than just Maslow. Carl Jung believed in the theory of unconditional acceptance. He felt that only once we reached a level of unconditional acceptance of others and ourselves could we truly heal. While he, like many other psychologists before him believed in trauma and emotional injuries being a real thing, he felt that like Viktor Frankl that we could create meaning in suffering and create our own reality. We did not have to be plagued by the past and entrapped by circumstance. We could always see our free will and no matter the circumstance choose how we were going to respond. If, for example, we believe in the Maslow Hierarchy theory, then we could choose to ask ourselves if the current economic model of attending college and signing on for a 9-5 for 40 years with a capped salary was the best fit for us. While those of us on the other side of college graduation and financial aid debt cannot question this now, we can use these choices as reflection and take note of the fact that taking out $80K in financial aid debt to earn a teaching degree with a $102K cap salary with high interest rates on the financial aid debt is not a good deal. We can also see that today there are online teaching platforms where we can begin teaching and earn more than the current teaching salary without any credentials. We can see that the single path guidance of college/career path is not the only path to success. And if we can see this, then we can also see that the current mental health healing model and the current economy model are in contradiction. Allow me to illuminate.

Our current mental health healing model states that when we are out of alignment emotionally/physically/spiritually (mind/body/spirit) that our top priority is to self-care–to do what we need to do to get ourselves back into alignment. Similar to cancer treatment, once plagued by depression, burnout, severe mental illness, treatment becomes priority to bring ourselves back to pre-sickness status. When cancer treatments cause new symptoms and working becomes too difficult, the government steps in and institutes social security payment similar to disability, yet when it comes to mental illness, so rare is the case that this transpires. Instead, the expectation is to push through, to radically accept circumstances and to place the economic model ahead of the mental health model. In other words, when the mental health healing model interferes with the economic model, it is best to disregard the mental health healing model and return to Maslow’s Hierarchy which ironically is probably where the term “rock bottom” comes from. And so it is that so many of us are again and again right back at the bottom of the pyramid–at rock bottom–ever trying to meet our basic needs so we can at least transition into the second tier. Hmm.
WAKING UP TO REALITY & RADICALLY ACCEPTING THE MESS & OUR OWN HEALING

SO very much of what these early psychological pioneers discovered and taught IS true and valid. Maslow was a genius in his own time and not wrong with his discoveries. Carl Jung and Viktor Frankl shined light on the reality of our personal power and inspired us to never give it away. What the consciousness movement is doing today is looking beyond one single model such as the psychology or mental health model and pulling in multiple models like the economy model, the education model, etc. to gauge how effective each works with the other. What is being found is that using the current economy model of college/career for so many is that the time and energy factor involved in the 9-5 is making it near impossible for people to simultaneously self-care, pursue passions, be present parents, have conscious relationships and ultimately maintain consciousness, mental health and balance at the same time as meet basic needs. Sacrifices are being made that are too big to be made. Nobody should have to choose between their child’s mental health and their child’s physical needs. Nobody should have to choose between their child’s basic needs and their own basic needs. Nobody should have to choose between cash flow or a family. And yet, here we are in 2024 with more and more young people opting out of having children all together because the cost of living is just too high and the current economic model simply does not have much wiggle room for alternative living. With college already behind millennials and financial aid debt piling up, adding the expense of children is simply too high. Unless…
AN ALTERNATIVE SOLUTION: LIFESTYLE BY DESIGN

While many of us cannot go back and rewrite our past, we can learn from things like the Parker family’s budget above. We can see that while it appears they are able to keep their ship afloat, one sickness can tug one of these adults out of their cash flow position and their entire lifestyle comes crashing down. Saving $10-$15K annually might seem like a lot, but one big medical crisis can quickly wipe that out, even if invested. Absent multiple streams of income today, we are playing Russian roulette with our lives. Knowing this, we can at least conclude that spending all of our time and energy at a 9-5 with capped wages that leaves us no time or energy to add other streams of income is not an ideal situation if we want to climb the ladder and reach self-actualization before we die (and in time to actually enjoy self-actualization!). If we’ve already dedicated 20+ years to this feat and we continue to experience the same reality, if the hopes we have for ourselves like pursuing passions, providing more opportunities and experiences for our children, traveling more, etc., then it is time to radically accept that there may be other options to consider.
REVERSE BUDGETING

What if we use the Parker budget as a reflection of the lifestyle they desire to live? Let’s say you are not the Parkers. Let’s say that you currently earn $45K annually but aspire to have the things the Parker’s have. You now can see how much you need to generate in order to have this lifestyle. Then, you can consider your own skills and determine what you’ll have to do to change your reality. When we can reflect on the skills we have, the skills we need in order to transition into the career that is in alignment with our interests and cash flow desire, we can create a path for ourselves to slowly shift into this reality. Instead of following the current economy model which guides teens to choose a college major that is of interest to them and take out financial aid to pay for the degree without reflecting at all on what the college major’s jobs will pay, its time and energy commitment, etc., we can pretend that we are back at square one. We have not signed on the financial aid dotted line, we have not declared our major, we have not committed ourselves to become a nurse or a teacher and instead we are focusing on what our ideal lifestyle looks like. We are thinking about how much free time we need and want each day, how we want to wake up in the morning,–do we want to be awakened by an alarm clock or let our natural clock awaken us?–do we want to have a family? and if so, how present do we want to be as a parent? Do we want to connect with our kids and get to know them and their innate needs so that we can then meet those needs? Do we want to have the disposable income to travel, to support our kid’s passions, to pursue our own passions? Do we want to take our own self-discovery journey and have the freedom and flexibility to actually do the things our psychologist recommends for us to do to heal? When we were twenty, we lacked the perception and awareness to think about any of these things. Our brains were not even done developing and we had parents absent this education so there was no way we could have gotten the guidance. We need to let all that go and just focus on the NOW. We have this knowledge now and we can answer all of these questions and we can decide what we need, what we want, what our kids need and want and we can determine how much money we need for this lifestyle. Once we have the number as well as the answers to the other questions such as how do we want to spend our time and energy, we are ready to begin to design our lives. With a designed lifestyle, we will not be bound by the economy mindset. Instead we will be solely bound by our own decision to create meaning in our own lives. It does not matter how slowly we go, the point is to have that direction and purpose and know where we are going and how we are going to get there.
WHAT IS PERSONAL FREEDOM WORTH TO YOU?

I once chose a career for the wrong reasons. I chose a career that had “good benefits,” hours in alignment with my child’s school hours, something that would make my parents proud, something that was “noble” and could “give back” in some way. These were the things I was focused on when I decided to get a degree in teaching. I believed my university when they told me that I would be able to write off my financial aid, that I could retire in 20 years, that I’d have benefits for life. And I believed that my child would follow the same path as every other kid in society and all would be well. I was so blinded by societal beliefs that I was not seeing what was actually real and that was that my child was really struggling in school, that the writing was already on the wall that she’d be needing homeschooling within the same year I was scheduled to student teach, that my parent’s retirement depended on my dad making to 65 in his job, not getting cancer at 55 and having to take an early retirement, then drain a lot of those funds to keep his house! It was during this time of my life that I realized that everything that I had learned was not good for everyone. This trajectory may be great for some people. It may even work out for the Parkers, but we are not all the same and so it was that I began my own self-discovery journey to figure out what was best for me and my child and then radically accepted that I would have to return to rock bottom again, only this time would be the last time. And ever since, my focus has been on multiple streams of income, living a life of purpose and meaning, being a present, conscious parent who has the energy and time to meet my kid’s needs and who is connected with myself so that I can actually do my own healing and have the time and energy to rebuild my life. I now know the exact amount of cash flow I need to live our ideal life. I know how to fool proof my and my daughter’s future by having passive income in place so God forbid my health takes a turn, money does not stop flowing like it did for my dad. My self-discovery taught me all of these things. What is more, it taught me that when we look back on our lives and reflect on our young intuitions and the desires we have, the vision we have for our lives that nine out of ten times, it is the right path for us that we simply rejected in order to gain the respect and acceptance of society and our loved ones who guided us into economy’s path unknowingly themselves.
FREEDOM NOW, NOT LATER

I want freedom right now. I do not want to have to wait until I am 60-65 when I have no idea what my health will be like, when I do not know if I will have the eye sight to do the things I want to do now, when I do not know if I will have the energy to do the things that I am doing right now. What is more, I want to live now, not later. While teaching continues to be something that I am very passionate about, while at my core, I will always be a teacher, I have come to discover that there are infinite ways to teach and so much teaching can happen outside of the classroom. To teach is to show and it is my desire to use my personal story, my personal experiences, my wisdom, my knowledge and my own self-discovery journey to inspire others to realize their potential right now and start their journeys today toward creating their best lives.

What is your idea lifestyle? How much will it cost? Are you brave enough to begin a journey to chase after it today?
I believe in you, Discoverlies!
Much Love!













































