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Thursday, July 2, 2026

The Energy Of Doing Nothing: How I Misplaced $120,000 By Not Ready


One of many causes I wish to dwell near my mother and father is to assist with the little issues they do not really feel urgency about. Again in 2023, I visited and requested why there was a gap within the kitchen ceiling with a rag on the ground beneath it. A leak, he mentioned, although he wasn’t certain if it was coming from the roof or the upstairs toilet.

A yr later, the rag and the outlet had been nonetheless there. Speak about endurance. Mine would’ve snapped inside per week. He’d had a plumber out, who modified the principle water line, opened a wall downstairs, and patched a spot on the roof. No luck. So my mother and father stored the rag on the ground and let the outlet slowly develop, undisturbed.

Lastly Had To Repair The Darn Leak

I let it’s in 2024. However after I returned in the summertime of 2025 and the rag and gap had been nonetheless there, I made a decision to resolve it. I had six weeks, so I had the time.

I obtained the plumber who was changing a water heater within the in-law unit I used to be reworking to test it out too. He reduce open the ceiling, discovered the leak instantly, changed the pipe, and that was that. No extra leak after two and a half years. My handyman patched and textured the ceiling so it seemed regular once more.

He additionally mounted two lighting fixtures on the entrance that had been fused shut. My mother and father had been high-quality with just one mild working for 11 years. Their tolerance for damaged issues was unimaginable. I haven’t got that energy.

I obtained rather a lot finished for my mother and father, however at the price of my very own leisure. I might imagined six weeks of studying and stress-free at Oahu seashores, climbing, boogie boarding. As an alternative, it grew to become a reworking and fixing job, one thing I dislike tremendously.

At first, I believed their capability to shrug off a crumbling atmosphere was bizarre. Then one other incident occurred, and I spotted perhaps I am the bizarre one. Not being OK with letting issues be is perhaps the precise reason behind unhappiness. As a result of for those who really feel compelled to tug each weed you stroll by, will you ever be free?

The Fridge Stopped Working One Night

It was about 8:30 pm after I opened the fridge and seen the lights did not activate. I requested my spouse whether or not she’d seen, and he or she nonchalantly mentioned no. “Possibly it is simply resetting after the temperature spiked whereas I used to be cleansing up spilled yogurt earlier.”

It was the youngsters’ bedtime routine, and he or she was occupied. I felt an unimaginable annoyance develop inside me, cursing the fridge for breaking, then a bit extra irritated my spouse did not share my urgency. All I might take into consideration was the meals spoiling and having to move all the pieces if we could not repair it in time.

She sensed my annoyance and got here to assist. I obtained on ChatGPT, inspected the fridge, flipped the circuit breaker on and off, and ultimately paid somebody $100 to return out at 10:05 pm. He mentioned the fridge itself was high-quality. The breaker nonetheless tripped when he flipped it, so I wanted an electrician. Sigh, wasted cash.

The factor is, I might already referred to as an electrician first, who mentioned I most likely simply wanted a brand new breaker after I described what occurred. If I might had the ability to not repair it instantly, and simply sleep on it, I might have saved $100 and had a significantly better night placing the youngsters down and watching a present.

Lack Of Endurance Value Me $120,000

This incident jogged my memory of a much more pricey occasion, additionally attributable to my lack of ability to take a seat nonetheless and do nothing.

In early March 2025, I closed on promoting my house and obtained about $1.65 million in proceeds. I transferred $50,000 to our joint checking account so my spouse might pay some payments. Then we agreed I might make investments the remainder.

The S&P 500 was down about 3% on the time, so I made a decision to begin investing. I instructed myself I might make investments about $1 million (60% of the proceeds) over the following three months. However as quickly because the S&P 500 was down about 5% per week later, I invested $500,000. Then I invested one other $700,000 over the following couple of weeks because the market stored dropping.

So as a substitute of investing $1 million over three months, I invested $1.2 million over three weeks. And naturally, on Liberation Day a pair weeks later, the S&P 500 was down about 20%.

Basically, I misplaced round $120,000 (-10% on $1.2 million) by investing too quickly, all due to my lack of ability to patiently anticipate issues to worsen earlier than they obtained higher.

In the case of shopping for the dip, do not get trigger-happy. Purchase too usually, too quickly, and you may run out of firepower proper whenever you want it most, like I did. Fortunately, the market has since recovered and I had $200,000 remaining to speculate.

This summer time, I am decided to dwell a extra stress-free life in Hawaii. We’ll solely be right here for 4 weeks this time, however I plan to unwind by 80%, versus not unwinding in any respect final yr. We’ll get to benefit from the spoils of the in-law unit rework and concentrate on our well being whereas we’re away.

P.S. I observe all my accounts and internet value via Empower, free to make use of. It is one of many instruments that helps me catch moments like this, when emotion is about to override a plan, earlier than they flip into costly errors.

FIRE and Impatience

Throughout this time of self-reflection, I’ve realized there is a sturdy correlation between the need to FIRE and impatience. FIRE individuals could also be extra delicate concerning the passage of time. We really feel a higher urgency to avoid wasting aggressively and get out earlier, simply in case our lives are reduce brief or we’re hit with sicknesses that decrease our high quality of life.

The Sensitivity Of Time

If my 15-year-old good friend hadn’t died in a automotive accident after I was 13, I am unsure I might have had the urge to retire by 40. However his loss of life has stayed with me, which is why I have been writing about retiring early since I launched this website in 2009. It is also why I am so opinionated about getting individuals to cease working a job they do not love as soon as they’re near or have already reached their FIRE quantity.

I additionally discover it dangerous to maintain grinding whenever you’ve obtained a $10+ million internet value and your children are nonetheless at house. I do know this viewpoint may be annoying to those that get pleasure from their jobs, or who wish to break away however one way or the other will not. However our youngsters will not give a crap if we now have one other million in our checking account.

Most middle-school children aren’t traumatized by a good friend dying on them. So maybe most individuals aren’t as delicate concerning the passage of time as I’m. However I really feel like I am experiencing time transfer 50% sooner than the typical individual. In highschool, I keep in mind hoping I might be fortunate to dwell till 60, whereas my friends had been all considering 90 and above.

If one thing occurs to me, I need my spouse and children to be utterly high-quality with out my revenue. I locked in my very own time period life insurance coverage coverage via Policygenius as a result of they allow you to evaluate actual quotes from high carriers in a single place. I felt so significantly better after.

How To Develop The Energy To Do Nothing

Being extra delicate concerning the passage of time can push you to work more durable, save extra, take calculated dangers, and dwell life to the max now. However that continuous, go-go-go angle the place you at all times must end the final mile ASAP cannot be good for sustained happiness. The stress provides up.

It is also not good on your relationships together with your partner, mother and father, and kids. When you’re at all times the one who desires issues finished and the day filled with productive duties, you may be exhausting to be round, and you may begin viewing your family members as much less motivated, or simply unadventurous.

So listed here are the six suggestions I am engaged on to get higher at sitting nonetheless and doing nothing.

1. Impose a ready interval, then sleep on it

The larger the greenback quantity or the upper the stakes, the longer I drive myself to attend earlier than appearing. A damaged equipment, a inventory buy, an offended e-mail to a contractor. None of it wants fixing within the subsequent ten minutes. Endurance has a value. So does impatience. The distinction is that impatience hides the invoice till it is too late to dispute it.

A full night time of sleep helps greater than working more durable ever does. The unconscious is a quiet little worker who retains grinding lengthy after you have clocked out. A stroll or a soak within the sizzling tub brings a ton of latest publish concepts too. A few of my greatest selections have come from doing nothing however ready till morning.

2. Do issues in the fitting order

Diagnose earlier than you use. Get the free opinion earlier than the paid one. Learn the instruction handbook. Ask Claude or ChatGPT to diagnose first. Strive a budget repair earlier than the costly one. Costliest errors do not come from doing the improper factor. They arrive from doing the fitting issues within the improper sequence.

3. Separate what feels pressing from what is definitely necessary

A darkish fridge at 8:30 pm looks like an emergency whenever you wish to stuff your face. In actuality, meals stays chilly for hours and the world retains spinning. My spouse understood this instinctively. I handled it like the home was burning down.

Earlier than springing into motion, ask what truly occurs for those who wait till tomorrow. 9 instances out of ten, the trustworthy reply is “nothing,” which suggests you have manufactured an emergency simply to justify your must do one thing.

4. Pre-commit to a plan, then tie your personal palms

I knew the fitting transfer with my house sale proceeds. I wrote it down: make investments $1 million over three months, dollar-cost common, keep calm. Then the market dipped and I overrode my very own plan inside three weeks.

The lesson is not that I had a foul plan. It is that I did not belief it. Automate your investments, set the schedule, and make it annoying to deviate. All the level of a plan is to guard you from your self within the second your feelings are screaming loudest. Be Odysseus and tie your palms to the bow.

5. Schedule doing nothing prefer it’s an necessary assembly

Relaxation would not occur accidentally for extremely motivated individuals. If it is not on the calendar, the go-go-go intuition fills the empty area with a challenge. So this summer time in Hawaii, “do nothing” is a scheduled exercise. World Cup at 6am. Seaside at 10am. Boogie boarding at 4pm after a nap. A guide with completely nothing to do with cash.

Deal with leisure as a deliverable and also you would possibly truly ship it.

6. Be taught from the calmest individual within the room

The calmest individual within the room is normally seeing the state of affairs most clearly, as a result of they don’t seem to be flooded with adrenaline. Possibly they’re simply extra skilled. Discover that individual and duplicate them. Typically, it is the one who appears to be like like they’re doing nothing.

Want To Higher Take pleasure in The FIRE Life As One Ages

I retired from my day job in 2012 to purchase extra time. Fourteen years later, the problem is not incomes the liberty anymore. It is remembering to truly use it, as a substitute of filling it with the identical urgency I used to be supposedly making an attempt to flee.

FIRE was by no means the end line. Studying the way to benefit from the freedom, with out continually optimizing it, is now the more durable ability, and it solely will get extra necessary with age. My children will not keep in mind whether or not the fridge obtained mounted at 10pm or 10am, or whether or not the leak took two weeks or two years to patch. They will keep in mind whether or not dad was current or pacing.

So this summer time, my solely actual purpose is to do much less, on objective. I’ve even arrange a Summer season YOLO Fund so I’ve permission to truly spend with out agonizing over it. Typically probably the most invaluable factor FIRE buys you is not more cash. It is the power to do nothing and spend freely with out guilt.

Reader Questions And Recommendations

Readers, do you could have the ability to do nothing, or are you cursed with the identical impatience I’m? What is the greatest impatience tax you have ever paid, the place ready a day, per week, or a yr would have saved you cash, stress, or each?

A part of what makes it doable to do nothing this summer time is realizing the large stuff is already dealt with. I locked in my time period life insurance coverage via Policygenius years in the past, particularly so my spouse and children can be high-quality with out revenue if one thing occurred to me. That is one much less factor to lie awake worrying about, and one much less excuse to remain in go-go-go mode “simply in case.” As soon as the true dangers are coated, the small stuff, like a darkish fridge at 8:30 pm, would not deserve the identical adrenaline.

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