I wasn’t sure about writing this post and I’ve stalled on it for many months. I’ve always been very open and candid about my financial situation, but then again – I’ve always been broke as a joke and it’s weirdly a lot more socially acceptable to talk about a struggle as opposed to openly celebrating a bit of economic success.
For most of my life, I’ve been an embarrassing financial failure. I was raised by my mother with help from my grandmother and we, as the old English saying goes; “didn’t have two pennies to rub together.” I’ll spare you the; “we may not have had money, but we were always happy,” rhetoric because that would be a massive lie and I don’t want to give credence to that.
There’s nothing glamorous or fun about being broke. There’s also a longstanding illusion that poor people are more morally sound than those who have wealth. Let me tell you that after growing up on a council estate with violence on a daily basis; that I find that a bizarre concept.
My village is a lot better than it was when I was younger and the city is absolutely gorgeous in parts, but it wasn’t fun growing up due to financial constraints and the environment which it creates – It was horrible and when I left just over three years ago I said goodbye to more bad memories than good.
I’m not saying that money is the answer to everything – just that it’s an important ingredient in the recipe of life. To me it’s lazy to say; “there’s no point in having money if you don’t have health” as a blanket concept. If we are lucky enough to not have any bad health in our lives – shouldn’t we try and look after all important areas of our lives? Health, friendships, career, love, money – I say let’s do our very best to tick all the boxes!
By the time my stepfather arrived on the scene I was well into my teens and growing into a (very immature) adult. The cycle continued into adulthood and I was always the broke one out of all of my mates. Pride would force me to lie about why I couldn’t come out for social gatherings as I was so painfully ashamed to be like this. The funny thing is I used to always read personal growth ‘get rich’ type of books like they were going out of fashion.
I used to buy ‘The World’s Richest’ updated list with my paper round money as a teenager. I know now that back then I fell into a trap that many do nowadays – thinking that simply reading books and learning inspiring quotes was enough to deserve wealth and a better life. I see it every day and I want to shake people because I know how much they are wasting their time reading and not actually doing anything.
Note: This is not to say I am bashing personal growth books, I am a fan of many. I am criticising reading them but not taking any action.
You reap what you sow and I chose to be a bum – bouncing from job to job without any direction, accruing huge credit card debt, perpetuating the vicious “get it on tick” cycle from the subculture I grew up in.
When I arrived in Chiang Mai, Thailand in 2011; things did not go according to plan. Bad health struck and a familiar tune was playing – I was down to my last $29 and I hadn’t made any money in weeks.
Also, I needed an operation for which I didn’t have the money – I was forced into a fight or flight situation and it was the making of me. I made $5K that month and it gave me the confidence that I needed to go onwards. You can read all about that here. However, it really wouldn’t be fair to not give a shout out to the legendary James Clark who helped me out with advice that would change my life forever – for the best.
From this moment I turned into a raging workaholic. If I wasn’t chasing people for advertising contacts, hitting up advertisers, or writing SEO articles – I was trying out new ways to expand and make more money.
I was working like the hedge fund guys in American Psycho, sleeping 3-4 hours per day. I never turned down anything online which made me money. I must have personally written thousands of articles during this period. I have written for clients on a huge range of subjects; cities around the world, sex toys, interior design and I once wrote 5000 words on the menstrual cycle!
Predictably – I burnt myself out. But I just couldn’t stop because if I did I was leaving money on the table. A friend invited me to take a trip with him to Malaysian Borneo.
I love Malaysia so it was a no-brainer and so off we went – grabbing our PADI Scuba Diving certificates in the process.
However the trip turned out to be incredibly stressful as the more I rested – the more I left clients waiting and pissed off. When I got back I didn’t learn my lesson and I continued working myself down to the bone. Running on empty and constantly feeling like a zombie.
During this period I befriended Johnny Ward and he would constantly preach to me about working too much and how I should be treating myself for my hard work. I found it really annoying at first to be honest because you have to do what you have to do in order to grow.
With that being said, I was going hard
Roughly a year later I moved in with him and other online guys in Bangkok and I started to feel terribly jaded with working so much; so I finally decided to do something about it. I went back to basics and read ‘The 4 Hour Work Week’ and implemented some of the advice from there. I then started employing and outsourcing my work, hiring a lady from Manchester to as a sales role.
This was undoubtedly one of my greatest decisions and from this moment my life became nothing short of a dream – I was making fully passive income. Meaning I was getting paid handsomely even if I spent the week scratching my balls watching The Sopranos.
As fun as that sounds – I actually started travelling to destinations way beyond my wildest dreams. I flew to Samoa and also American Samoa. I even paid for private charter planes to take me to untouched islands within the country.
I stayed with a tribe in the jungles of Papua New Guinea – holding animals I didn’t even know existed. I schmoozed in the swankiest of hotels in Hong Kong for my 30th birthday – celebrating it by doing the world’s biggest bungee jump, Macau Tower. I got to tick Okinawa off my life-long bucket list and fell in love with Japan. I swam with whale sharks in the Philippines. I went to the World Cup in Brazil with one of my best mates from back home. I even fixed my ugly British teeth!
These are only a few examples of the things I did and the most insane thing about it was that for the first year and a half – I would actually have more money in the bank at the end of the week after doing these things! I was experiencing the ultimate freedom – lots of money and time.
But even the once-mighty Roman Empire fell, right?
The industry started to weaken and my income became progressively lower every month – but I didn’t hold back like I should have done. I kept on living, employing and spending as frivolously as it gets.
The crunch time came when I went to see about buying an apartment in Bangkok – in cash for $60k. I had just about that much in the bank and I was strongly considering buying it. I love Thailand, Bangkok not so much, but Chiang Mai – I have a lot of love for.
I agonised for a week about this purchase. I thought about how amazing it would be – to fully own a mortgage-free apartment in the capital of a country that I adore at the tender age of 30! But for some reason, I decided not to buy it. I was visiting home for the first time in three years very soon and I didn’t want to make a brash decision when I had so much to think about.
If you think that I’m going to be all ‘no regrets’ about this then you’re very much mistaken. It was idiotic of me to not tie in this money and have a place to call my own. It kills me that I didn’t do this.
I made a lot of rookie mistakes during this financially handsome period of my life; I gave away money to people in my life when I wasn’t even safe myself. I continued to employ people when I should have just gone back to basics and work myself. I lost a lot on online business scams (ugh) and I never ever cared about the price of something that I paid for – I only cared about the value of the experience.
Pure hedonism in motion.
I’m a gambler when it comes to business and the last time I gambled – it paid off tenfold. In the last half-year, I have spent around $25K on a project which is yet to bear any fruit. Maybe it will turn into another cash cow, or maybe it will die a painful death – that’s business. There are no certainties in this game.
Right now I’m back in 100% project mode. I’m living in Mexico City and although I’m working a lot – I remember my health this time around. I make an hour a day available for the gym and I am eating very healthy (when I was a workaholic in Thailand I would forget to eat quite often).
I’m juggling a lot of balls with regards to business right now and I’m very much focused on maintaining this life, which I love. I can’t say that I totally regret my lavish life for the last three years which enabled me to visit almost 50 countries (I don’t think there are many better personal experiences to blow your money on than travel), but I do wish that I reigned my spending back a bit – and I absolutely do wish that I had bought that apartment in Bangkok.
I said to my housemate the other day that I am ‘transfinancial.’ I always felt like I was supposed to be born rich.
For anyone who thinks that this post is meant to be conceited and ostentatious, or that I’m arrogant about the money that I made – I can assure you that this is not the case. There were often times when I travelled alone and almost broke down with happy tears because I was so grateful for what I was experiencing before my very eyes. It gave me time to appreciate the sacrifices that my mother and grandmother made in their lives for me so that I could have more opportunities in mine.
Many days I wish I could have called my Nana and told her how I’d turned my life around.
I also spent a lot of this time building beautiful friendships, maintaining those that I have already and I started to explore my connection and relationship with food – I’m healthier and happier now after going down this path. I have greater respect for money now and if I find myself in the same situation as before; I’m pretty sure I’ll go about things differently.
I can’t believe that I’ve seen the things I’ve seen and done the things that I have done. I’m just a lad from Durham who had a dream and luckily that dream came true. I spent so much of my life feeling like a worthless piece of sh*t, and suddenly my life has meaning and purpose. My recent life has been a real-life dream and I don’t intend to stop any time soon.
The party has only just begun.
One thing that I can’t bear is to see people not living up to their potential. It kills me. If you’re not happy where you are in life now, know that you are not powerless. Ditch those personal growth books (or at least cut down, and prioritise action over reading), stop spending your time sharing positive memes and buying inspirational fridge magnets and get busy.
You don’t have to be an expert – you always have to start somewhere. Get active and be relentless in your pursuit – just don’t lose yourself or your health in the process.
Next chapter beckons! 🙂
Song For The Moment: ‘Good Riddance,’ By Greenday
“So take the photographs, and still frames in your mind– ‘Good Riddance,’ By Greenday
Hang it on a shelf in good health and good time
Tattoos and memories and dead skin on trial
For what it’s worth – it was worth all the while
It’s something unpredictable, but in the end is right,
I hope you had the time of your life.”