A Different Kind of Wealth

I brought my dad lunch and visited with him for a while the other day. After giving him his food, I sat down to complete his menu for the coming week while he began telling stories about “the good ol’ days.”

I’ve heard these stories countless times, but I still listen. I still laugh along with him. Because these stories are part of who he is, and I want to keep hearing them for as long as he wants to tell them.

See, my dad has Alzheimer’s.

You probably wouldn’t realize it during your first few visits. Even after all these years of living with the disease, he’s still pretty cognizant, and having a normal conversation with him is easy. He can tell you stories from his childhood, his younger years, and the places he’s been.

You might not catch on until you’ve heard the same story for the 30th time. Sometimes more than once during a single visit.

As he told his stories that day, some making him smile and others bringing a tear to his eye, I found myself thinking about the life he remembers.

He has lived through so many changes. Technology, conveniences, and advancements that would have been unimaginable when he was young are now part of everyday life.

And yet, when he talks about the times he remembers most fondly, they often seem to be the simplest ones.

The times when life may have been harder, but something about it felt different.

There is appreciation in his stories. Purpose. Community.

And food.

He still talks about the best chili he ever ate. It was in a small-town diner in North Dakota, a little place with floors so clean you could eat off them. He remembers how the servers somehow kept their uniforms bright white and completely unstained.

He remembers details that might seem insignificant to someone else, but to him, they were part of what made that place special.

Then there are the summer evenings.

When the heat settled in, the neighbors would gather at one house or another. The women would be in the kitchen, cooking and laughing, while the only fan in the house pushed what little cool air it could through the rooms.

The smell of food would drift outside, where the men gathered. Maybe they were playing a yard game. Maybe they were just standing around, drinking a beer, laughing, and talking.

Eventually, everyone would come together to share the food.

The evening would stretch on until the women headed outside to cool off, and the men stayed inside to clean the kitchen. Then, somehow, everyone would gather around the table again, squeezing in together to play board games until late into the night.

Nothing fancy.

Just people, food, laughter, and time spent together.

As I listened to my dad tell these stories, I started thinking about how much our lives have changed. We have more conveniences, more choices, and more ways to spend our time and money than the generations before us could have imagined.

And yet, so many of the things he remembers most fondly had very little to do with what people owned.

They had to do with how people lived.

They gathered around tables. They shared food. They knew their neighbors. They found ways to enjoy an evening without needing to spend money to make it special.

There was purpose in the work, appreciation for what they had, and a sense of community that seems harder to find these days.

That doesn’t mean life was perfect back then. It wasn’t. People had their struggles, and many things were harder than they are today. But listening to my dad reminded me that having more doesn’t always mean feeling more fulfilled.

And that got me thinking about something I see in my financial coaching practice.

I see so many people who are searching for something. They may not be able to tell you exactly what it is, but they know they want to feel different.

Sometimes it’s comfort. Sometimes it’s happiness, excitement, security, or a sense of being valued.

And sometimes, without even realizing it, they turn to spending money to find it.

A new outfit might make them feel confident for a little while. A purchase for the house might give them something to look forward to. A shopping trip might provide a much-needed escape from a difficult day.

There is nothing wrong with enjoying those things. Spending money on something you want can be a perfectly healthy part of life.

But there is a difference between spending because something genuinely adds value to your life and spending because you’re hoping it will fill a feeling that has been missing.

That difference matters.

Especially when life changes.

A divorce can leave you trying to figure out who you are outside of a marriage. Becoming an empty nester can leave a quiet house where there used to be noise, activity, and a sense of being needed. Retirement can change your daily routine and your sense of purpose. A career change can leave you wondering whether you made the right decision.

Even when these changes are ones you wanted, they can still bring unexpected emotions.

And when you’re trying to adjust to a new chapter, spending can sometimes feel like a small way to regain control, create comfort, or remind yourself that you still deserve something good.

The problem is that the feeling doesn’t always last.

The purchase arrives. The excitement fades. And whatever longing that was underneath it is still there.

So you spend again.

Over time, those purchases can begin to affect your finances in ways you never intended. Your credit card balances grow. Your savings get used up. You make more money, but somehow there never seems to be enough left at the end of the month.

And you may find yourself wondering, “Where is all my money going?”

That is a question worth exploring, not just with a calculator, but with a little curiosity about what is happening in your life.

Because sometimes money becomes what you use to try to feel something else.

Something that used to come from connection, purpose, security, or simply feeling content with your life.

My dad’s stories reminded me that those things don’t have to come from having the newest, biggest, or best of everything.

Sometimes they come from a clean little diner in North Dakota, a kitchen full of laughter, or a table surrounded by people who are glad you’re there.

And sometimes, finding your way back to those things can change more than your spending.

It can change the way you feel about your life, your money, and what you really want your next chapter to look like.

The Power of Mind Over Money

If you’ve ever thought, “I’ll never get ahead financially” or “I’m just not good with money,” you might be putting up roadblocks where there could be open doors. Your financial future isn’t set in stone—it’s shaped by how you think and what you do. That’s where a growth mindset comes in.

A growth mindset is the belief that abilities and intelligence can be developed with effort, learning, and persistence. When applied to finances, it means realizing that financial literacy, smart money habits, and wealth-building strategies aren’t reserved for the lucky few—they’re skills that anyone can learn.

I know it’s easy to feel overwhelmed when facing financial hurdles. I’ve been there!  But a growth mindset helps you see these moments as stepping stones rather than roadblocks. If you’re struggling with debt, saving, or investing, try shifting your perspective. Instead of thinking, “I’m bad at managing money,” ask yourself, “How can I better manage my money?” Every challenge you face is a chance to build stronger financial skills.

We’ve all made financial missteps—whether it’s overspending, missing a payment, or making a risky investment. Instead of beating yourself up, take a step back and look at the lesson in the experience. Successful people don’t avoid mistakes; they learn from them. Each setback is an opportunity to refine your approach and make better decisions moving forward.

One simple word can change your entire financial outlook: yet. If you catch yourself saying, “I don’t understand investing” or “I can’t save money,” add yet to the end of that sentence. It turns a dead-end statement into an open path. Acknowledging that financial success is a journey keeps you motivated and patient with yourself.

It’s tempting to stick with what feels easy, but real financial progress comes from learning and stepping outside your comfort zone. Read books, listen to podcasts, take a financial course, or talk to a coach. The more you expose yourself to new financial concepts, the more confident and capable you’ll become. Knowledge is power—and in this case, it’s the power to take control of your financial future.

A growth mindset isn’t just about tackling big challenges; it’s also about recognizing progress. Did you save an extra $50 this month? That’s a win! Did you finally create a budget? Another win! Acknowledging and celebrating these small victories keeps you motivated and reinforces your belief that financial success is possible.

Changing the way you think about money starts with small steps. Reframe negative thoughts, seek out financial education, surround yourself with people who inspire you, and take consistent action. Whether it’s budgeting, saving, or investing, the key is to keep going.

By creating a growth mindset, you open the door to endless financial possibilities. Your starting point doesn’t define you—your willingness to learn, adapt, and persist does. Shift your mindset, take action, and watch your financial future transform!