(Preserve a Boundary in Place)
Pricey Dave,
I’ve a cash market account that I take advantage of as each my checking and financial savings account. I’ve a debit card and verify writing privileges with the account, and I get a greater rate of interest on my cash. Is what I’m doing a good suggestion, or is it higher for some purpose to have separate financial savings and checking accounts?
Bonnie
Pricey Bonnie,
It’s all the time good to have a bodily and emotional boundary between your financial savings and the on a regular basis funds in your checking account. That is particularly essential while you’re speaking about financial savings or an emergency fund.
There’s nothing inherently mistaken with getting a greater rate of interest, however when the whole lot is all lumped collectively it could change into simple for the road between financial savings and checking to change into blurred. And in the event you’re not cautious, you would possibly end up dipping into your financial savings or emergency fund for issues that aren’t emergencies with out realizing what you’re doing.
—Dave
(They’re Not Inconsistent Ideas)
Pricey Dave,
My husband and I’ve been blessed financially in our work and in our lives. We merely love working, cash apart, although we might each simply retire and be very snug. These emotions have made me suppose loads currently about what’s actually essential in life. How do you steadiness ambition with contentment?
Barb
Pricey Barb,
I get the sensation you thought ambition was the alternative of contentment. However I don’t take a look at it that means. It’s not like a teeter-totter. They don’t need to steadiness out, as a result of they’re not on the identical spectrum.
I’m content material and bold. I’m content material with what we have now and what God has entrusted to us. However I’m not content material to take a seat round and do nothing simply because we’ve been blessed. That type of perspective isn’t contentment. It’s apathy. I do what I do as a result of I really like serving to individuals. You’ll be able to have peace and contentment, and nonetheless be formidable. They’re not inconsistent ideas.
In my thoughts, issues are created when formidable persons are pushed by an absence of contentment. Let me ask you one thing. Do you suppose Jesus was content material? Do you suppose He was formidable? I consider the reply to each questions is sure. Simply take into consideration how He lived, and the way He instructed us to stay. Take into consideration His mission and His objective.
Greater than something, I believe it has to do with what’s driving your ambition. If a need for “stuff” is the motivating issue, then possibly they’re on the identical spectrum. However that’s a very dangerous approach to stay your life. You should purchase and pile up tons of stuff, however you’re not going to be really completely satisfied till you discover contentment.
—Dave
