What Keeps You Up At Night?

August 16, 2011

Falling asleep has never been a problem for me but a few weeks ago I went to bed worrying and was up all night tossing and turning. The next day I started thinking about all the things we spend money on to help us sleep at night.  Not mattresses and sleep aids but the big things that can really keep your mind racing all night long.

These mental burdens go beyond any money problems – they’re a constant worry about the health, safety, and happiness of you or your family.

Although money can’t buy health, safety, or happiness – we can use it to help us protect those precious things.  When it comes to watching out for your personal well being or the ones you love there are countless ways you can spend money to help yourself sleep better at night.

For example, paying for a gym membership can help keep you healthy and live a longer life.  Paying for health insurance gives you the comfort of knowing your family can get treatment if they’re sick or hurt.  Writing a check for career training could lead to a higher salary or more secure job you can use to provide for yourself or your family.

Spending money on these things makes us feel safer, more prepared for the unknown, and more secure about the future.  The price tag for all of these things can certainly add up, part of the trick of affording them is to anticipate the costs.

This is one of the reasons that I’ve been asking those of you who are newsletter subscribers to share what keeps you up at night. I’ve been blown away, not just by the number of responses but also by how open and honest you’ve been with your answers.  I try and be pretty candid about our money and based on the comments I’ve seen so far, I’m glad that you feel comfortable doing the same.

Thanks for trusting me with your worries.

If you haven’t had a chance to share what keeps you up at night, now’s your chance:


I’ve spent many hours going through your responses and I’ve noticed something that I’ll tell you about next week.

Let’s see if you’re facing the same demons as everyone else, leave your thoughts:





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Ben Edwards, the founder of Money Smart Life, saved up enough to buy a Nintendo back when he was 12 years old. When he used the money to buy shares of Wal-Mart stock instead, he knew he wasn't like the other kids... His addiction to personal finance has paid off for his family and now he's helping you to afford the life that you want. Check him out on the web at Google Plus, Twitter and Facebook.

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