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Was Albert Einstein A Minimalist?

By Frugaling 10 Comments

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Albert Einstein Laughing

Let me preface this essay by saying I’m not a “genius,” “theoretical physicist,” or “great thinker,” but I decided to pick up Einstein’s biography to learn about someone who’s been called all three. In 2008, the famed biographer and writer, Walter Isaacson, published Einstein’s story in a whole new light. His book catalogues the many triumphs, tribulations, and everyday struggles of the man who has become so revered.

As I read this 704-page tome, the very essence of Einstein came alive. Isaacson is a skilled writer, but he was homing in on something unique about his main character. Einstein extolled and lived for a simple life.

Albert Einstein is remembered for his brilliant discoveries in the field of physics. Without going too far into the weeds, he theorized about relativity and gravity. He felt they overlapped and coalesced. For instance, that light would bend in travel because of the sun’s gravitational pull. At the time, these were maddeningly complex ideas with little experimental support. Despite the novelty and unknowns, he stuck his neck out — time and time again. He didn’t bend or sway to convention, and it ultimately made him famous around the world.

Throughout the book, Einstein is heralded for derision of power, authority, and status quo. Even greater, he seemed to attack the fundamental strictures and culture of materialism. It’s clear that his simple living values made him a better, more unique thinker. Without a doubt, Einstein was an early pioneer for minimalism in the face of excess. And here are 5 reasons how he was a minimalist:

1. He idealized simple lifestyles

Einstein was fascinated with bohemian living. Even in early letters to his first wife, he professed that they shouldn’t ever be trapped by society’s expectations. He seemed to love the idea of eschewing what so many wanted. Einstein loved bohemianism, as he found creativity and passion in literature, music, and science. He commingled the three and crafted magical mental imagery of difficult physical constructions. Self-described bohemians were countercultural, just like the beatniks, hippies, and hipsters of generations to come.

2. He disliked bourgeois pursuits

He consciously avoided upper class trappings. This is captured perfectly by a quote in the book. When traveling to another city, he stayed on an office couch instead of a hotel. His friend said, “This was probably not good enough for such a famous man, but it suited his liking for simple living habits and situations that contravened social conventions.” Fame didn’t mean he would suddenly change his way of living. The rebel inside him allowed for success.

3. He gave away much of his wealth

He feared that fame and wealth might affect and degrade people’s ability to live creatively. Einstein gave generously and even dedicated all the Nobel Prize winnings to his first wife. He didn’t crave wealth, nor did he live by its swings. Einstein enjoyed good coffee, cigars, and conversation. Money allowed for those staples, but otherwise was relatively unnecessary. The power of wealth could’ve purchased many conveniences and statuses, and yet he downplayed its ability. Take this passage from the book: “From Prague, Einstein took the train to Vienna, where three thousand scientists and excited onlookers were waiting to hear him speak. At the station, his host waited for him to disembark from the first-class car but didn’t find him. He looked on to second-class car down the platform, and could not find him there either. Finally, strolling from the third-class car at the far end of the platform was Einstein, carrying his violin case like an itinerant musician.”

4. He ignored conventions

Much like the Mark Zuckerbergs of today, Einstein didn’t follow social norms for dress. Comfort was the more important factor. His hair grew unruly in later life. It was iconic for him, as he was this renowned genius, but I believe that this was a subtle rejection of cultural mores. Einstein wanted to show he was unique in both thought and modest dress.

5. He took time for independent thought

Above all, Einstein’s genius was in his ability to isolate and focus. For days and weeks at a time, he could hole up in his study and work. He didn’t eat regularly, nor did he pay attention to much around him, but in that solitude, he solved some of the greatest questions of all mankind. His habits often made him cold and cantankerous, but it also cultivated a lifelong independence. Simple time alone was vital to discovery.

I’m nearly finished with the book, but these discoveries were too hard to hold back. I figured I’d share them with you as soon as I could. Within these passages, quotes, and stories, I see a man that feared the trappings of privilege. He was a social advocate, scholar, and seeker.

In a way, I wonder if I share something with Einstein: a fear of ever having more than enough. I fear what money can do, and how some people embrace elite statuses at the cost of others. If Einstein were alive today, I’d ask whether he feared he might lose his creativity if he lived more lavishly. My guess is that he would say “yes.”

Oh, one more thing, read his biography: Einstein: His Life and Universe.

Filed Under: Minimalism Tagged With: Albert Einstein, counterculture, Frugal, Income, Life, minimal, Minimalism, money, Physics, Simple Living, Universe, Wealth

YOLO For 80 Years!

By Frugaling 3 Comments

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Electric Daisy Carnival EDC

There’s a conundrum that we all face as humans: we are born and must die. For many of us, that’s the most frightening thing imaginable. It stops us in our tracks, and we can’t cogently plan for the future. We are literally scared into avoiding death because death is scary. The irony!

The cyclical loop of fear allows our minds to run wild and appreciate only these few moments right now. We don’t know how many more we’ll have. But unfortunately, that tends to come with some significant financial consequences. The attitude can quickly become: charge it now and worry later; heck, you might die before you have to pay it back.

Because death is an unknown – we don’t know until it’s too late – many try to appreciate only the present moment. The Millennial generation, with the help of popular musician, Drake, have a helpful acronym that’s all about living in the now: YOLO. The vowel-laden term stands for, You Only Live Once. In that spirit, we are tasked with spending, eating, and drinking to enjoy the moments we do have. The hope is that when death comes knockin’, we lived our lives to the fullest. Nobody wants to die without living it up.

YOLO has inspired countless teens and 20-somethings to travel the world, and eschew traditional day jobs. And who can blame them? Countless generations before them searched and scoured the world for self-discovery, too! Life seems short, might as well enjoy it, right?

What seems absent from these aspirational lives and depictions is the reality that for most people, life expectancy is about 80 years. Most of my grandparents lived well into their 80s and 90s. That means that while we are trying to live life to the fullest by spending our way into blissful oblivion, we seem to be discounting the fact that humans tend to live long lives. Really LONG lives.

A lot can be done in 80 years, and it needn’t all occur at 18, 19, and 20. In fact, it’s rather depressing thinking the only time to travel and party like a rockstar is at such a young age. Life is full of adventure and opportunity – it doesn’t end at 30, 40, or 50.

YOLO isn’t inherently a bad term, but it’s important to remember that we have 80 years to do it. And if we have 80 years to YOLO all over the place, shouldn’t we plan beyond this one moment? We compete with unknown variables of death, desire, and saving for a long future. Evolutionarily, we have come to appreciate the present moment to procreate and build foundations for progeny.

While these archaic evolutionary bases of behavior affect our behaviors today, our society has changed significantly. We no longer deal with daily threats. Most of us aren’t running from lions, tigers, and bears – oh my!

Regardless of these competing demands – one for YOLOing and the other for living well into old age – there’s an emotion we all seek: spontaneity. Sustainable, life-long adventure requires healthy budgeting and savings. To take that random road trip, we must save and stop spending on credit. This choice necessitates a reinvention of spending habits. YOLO cannot become yet another excuse to party lavishly and become a gluttonous individual. Millennials and people everywhere have an opportunity to better themselves and the world around them. But they can’t do it while swimming in toxic debt.

Filed Under: Save Money Tagged With: Aging, death, debt, Frugal, Life, life expectancy, Millennials, saving, YOLO, Youth

Two-Year Anniversary Of Frugaling!

By Frugaling 15 Comments

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Manhattan Beach, California

Discomfort: The catalyst for change

Two years ago, I sat in my then-girlfriend’s apartment in Manhattan Beach, California. Only a couple blocks from the Pacific Ocean, I felt like it was heaven on Earth. Frankly, I hadn’t found any place more relaxing and beautiful.

But that May 4th, 2013 was complicated for me. I was powerfully distracted by student loans. The numbers continued to worsen, and I wanted to stop the bleeding. The debt was hurtling towards $40,000. I was afraid I couldn’t or wouldn’t be able to reduce it as a graduate student.

Everybody in my life said they were proud of me — of making it to a Ph.D. program and helping others through counseling psychology. And yet, I felt hopeless to do anything about my financial situation. Doing good didn’t mean money followed suit.

I told my then-girlfriend that I was nervous. I told her I didn’t know what to do. I told her that when I was younger I used to write, blog, and share my thoughts. Maybe I could do that again?

Neither of us truly believed that writing could suddenly pay off my student loans and credit debt. I was green and naive, but my eagerness and openness pushed me into action.

The start of something good

With trepidation and giddiness, we sat down and talked about the idea of starting a website.

She asked, “What would you call it?”

We played around with some ideas — back and forth. Nothing really stuck. Or, when we liked something the domain name was invariably taken. Darn it! Maybe I was just too late in the game to join the personal finance community?

Then, as we decided to table the discussion, I suggested “Frugaling.” The name danced across my vocal cords and tongue with a playfulness, which also acknowledged finances. And there it was: available. I bought it immediately.

Energized, I sat down at the kitchen table and coded the basic structure of the website. I found a theme and we designed a header logo. The site was rough around the edges and certainly wouldn’t have won any design awards. With her help and my passion for personal finance, I wrote my first article. Half a day had rolled by, but it was live!

Would you marry me?

Initially, I asked my readers, “Would you marry me?” The question was bouncing around in my head ever since I was asked how much debt I had. I worried that having tens of thousands in student loans might hinder my chances at a loving, long relationship. Questions such as, “How would you provide for children?” or “How would you afford a mortgage?” stopped me in my tracks. I felt awful. After all, monetary concerns often break up marriages.

When I published that first article, I had four readers: mom, dad, bro, and Lisa. Each of them read the article, and supported my decision to start this website. Albeit, there was definitely some skepticism from them.

When I hit that “publish” button, I was awash with a familiar, but dormant, feeling. It was a rush of excitement and energy, which reminded me of a brief foray into opinion-editorial writing at my college newspaper. It had been years since I wrote publicly, and I was instantly hooked back in.

Over the coming months, a torrent of articles flew through my fingertips and onto the screen. I loved the feeling of being a writer, editor, publisher, and advertiser. I was doing it all in the cracks of free time that graduate school occasionally presented. And few even knew I existed. The love was in the process of writing, not the paycheck.

Shifting ideals, writing styles

To summarize and contain two years of thoughts, critiques, and articles is nearly impossible. The time period is collected and framed on this site for all to see. It’s a time when I hurt immensely, and saw few ways out of tens of thousands in debt.

My first articles were rudimentary. Inspiration came from other personal finance websites and, mostly, well-tread territory. Sadly, I’m not sure that I was providing earth shattering revelations.

Despite my skill level (or lack thereof), I enjoyed the process of sharing openly about debt. For the first time in my life, I wasn’t embarrassed, ashamed, and guilty about my choices in life. I was finally facing my demon.

As I continued to write, two things happened unintentionally:

First, my writing improved and developed a voice. I could write faster, and with greater clarity. My audience grew with every additional article. I learned how to write better by treating this process like a science. What worked? What didn’t? How could I improve my titles? How could I attract more diverse audiences?

Second, I noticed a missing element in the personal finance world. It centered on diversity. Many of the financial gurus and role models for debt-free living were white, middle-class, and had terrific educations. They didn’t represent the common person struggling with outsized credit and student loan debt. Writing about simple methods to save didn’t have the same caché. I wanted to appeal to an audience of disenfranchised and underrepresented. Suddenly, I took on more of a social justice role.

Look at how much I just made!

Steamboat Spring, Colorado

In late summer 2013, I climbed a popular trail in Steamboat Springs, Colorado. I looked down off the majestic mountain and saw only beauty. The summer sun basked upon me, and I soaked up the moment.

I had been writing Frugaling articles for about 6 months, and was enjoying a nice break from everything — school included. But there was a surprise awaiting me when my cell service came back. I was $500 wealthier.

Something must’ve gone wrong, I thought. How’d I just make about $500?! What happened? I checked my website and saw increased traffic to some key articles. People were actually taking up my advice and buying a product I was recommending. Four people had actually used my links!

I freaked out, and called the company that handled my ads. I immediately questioned the staffer, “Is this number right? Do you see this amount? Is this real money?” He calmly replied, “Yep, it looks good. We’ll just have you fill out some tax information because you’re going to be earning more than $600 this year.”

Over the next 12 months or so I would go on to make tens of thousands of dollars, repay my student loan debt, begin investing in retirement accounts, and create an emergency fund. My life was and will continue to be forever changed by this money. It felt like winning the lottery, and was completely unexpected.

The amount of money felt comical. Here I was, a naive, green graduate student with this crazy idea to start a website and write about my student loan debt. And the endeavor had rewarded me.

My out-of-debt mood

When the debt was squashed, my mood lifted. I saw my future with greater clarity, but more importantly, I recognized the importance of the present — this moment. The debt was this cloud that followed me around. I hated owing companies money.

Freedom comes to mind, but that’s too simple. Getting out of debt cemented a logic and rule change: don’t ever lend someone your future. I never want to be beholden to a behemoth bank again. From mortgages to car loans, I’m done.

Take your “age-old” advice and wisdom and shove it. That’s not for me. I’m a Millennial that has been caught up in a business-based system of higher education for too long. The debt that can incur is dangerous and restrictive. I don’t see “good” debt anymore. No, I just see debt.

If you forego the “features” and “great benefits” of debt-inducing products, life can be a bit more reserved and boring. I don’t travel often, I sold my car, and I tend to eat out once a month. Before my journey began, I was a crisscrossing world traveler, with a stunning car (and hefty loan), and ate out for the majority of my lunches. All on the take — with the interest running against me.

Debt is too frequently a cyclical problem that people unintentionally enter — myself included. Without debt, the cyclical problem cannot occur. Life will be restrictive for certain, but I won’t be working countless hours to pay back the moments I have now. And that’s worth focusing on.

Featured and published in big-time blogs

In time, Frugaling picked up steam. The traffic and subscribers increased as a result of featured articles and influential writers. Additionally, a massive viral article made the rounds of Reddit. There were over 100,000 views in a day! But even greater was the incredible honor of being shared by two of my favorite sites over these two years: Becoming Minimalist and The Minimalists. They were both inspirational in my writing.

The site is now growing exponentially. It’s rare to see a day with less than 1,500 visitors. There was a clear shift that occurred, where 5,000-visitor months became 5,000-visitor days.

I have an incredible group of over 1,000 email subscribers who contribute, comment, and email me. They’re involvement and commentary is vital — they keep me going. From Facebook to Twitter, people write their responses and experiences with depth and clarity. I’m impressed by their input, and humbled that they care to share.

Looking to the future of Frugaling

Frugaling has constantly been my “work in progress.” It’s never finished, I’m always tweaking the site and my writing style — trying to see what works and sounds best. The future of Frugaling is something that brings me great joy to think about.

Over the coming months, I will be announcing my biggest project yet for the website. I’m hoping you’ll subscribe to see what happens next, and help share the news when I announce it.

I’m excited and grateful to have an outlet like this, where I can share my thoughts, opinions, and lessons with an incredible audience. Thank you for being one of them. It’s a home for me to sharing about social justice, making and saving money, and avoiding the traps of debt.

We only have so much time in our days and lives. Your time is precious. I want to thank you for taking the time to read, subscribe, and comment.

Your friend,
Sam

Filed Under: Save Money Tagged With: anniversary, debt, graduate school, Income, Life, money, Student Loans

Ownership Isn’t Real, We Rent This Life

By Frugaling 41 Comments

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Manhattan Beach Ocean Photo

“Nature does not hurry, yet everything is accomplished.”
–Lao Tzu

There was a time when I could describe exactly what my life would look like in 5, 10, 15, and 20 years. It felt so grown up and reassuring. I was the man with the plan.

There was a time when I envisioned a beautiful home with a yard. It had windows overlooking an ocean. It’d be mine. I could wake up to it every day.

There was a time when I owned a car and wanted to buy an even nicer one. I held my smartphone, but wanted a newer one. I was obsessed with latest upgrades and features.

There was a time when I looked at my ratty spiral notebook and needed a chic Moleskine. Imagine what it would be like to write in those acid-free pages and flip open that iconic cover.

Largely, those days of desire without logical reason are dying out. I’m no longer urgently pursuing or planning for material possessions. Nowadays, the white picket fence isn’t for me, and I’ve finally realized why.

Life is exceptionally fragile and short. Think about it, our 70, 80, or 90 years represent but a fraction of the Earth’s existence. We are little blips on this planet, and unrecognizably small objects within this solar system, galaxy, and universe.

From the time we exit the womb, we are bombarded with messages that demand our attention. They don’t stop until we do. All five of our senses are put into warp drive, as they begin to process everything around us. Despite our relative insignificance, we cling to material goods and messages — buying whatever we can afford and socking away the rest for rainy days.

These messages beg us to consume, own, and carve out space. They tell us that, with maturity and income, you should own a residence. We are expected — from employers to families to spouses — to buy a car to get to work. But ownership is a figment of our capitalistic imaginations. In this economy, it’s easy to be pulled into a mental trap of expectations and hopes for a possessive future.

Each step countering the current culture of consumption is like running into a 50-mph headwind — you’re not moving fast. Bucking the status quo means isolating yourself from society’s expectations of amassing wealth. But the reality is we don’t own anything — ever. I mean it!

We are simply temporary custodians — holders — of physical objects that we lug around. We fill containers, storage warehouses, and entire homes with stuff. We bear witness to various forms of mass, but all fade — like us. Even the most prized possessions will transfer to someone else or perish. No matter how much home and life insurance we take out, we will eventually pass away.

Truthfully, we rent this life. It’s not solely ours to destroy, abuse, love, and cherish. We share this rental with everyone. Any rental necessitates respect. Destroy another’s property or object, and you’ll be on the hook to replace and/or fix it.

There’s more to life than amassing more than thy neighbor. Forego the mortgages, down payments, and constant maintenance. Choose a life that honors and recognizes everyone. When we rent this life, we recognize that we are just maintaining it for future generations.

Filed Under: Minimalism Tagged With: apartment, Capitalism, Consumerism, house, Life, minimal, Minimalism, ocean, rent, view

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