Are You Living The Dream or Chasing It?

Is it difficult to be happy if you’re chasing dreams? Yes. How to start living them …

I cracked a big dopey smile while in my almost free Business Class Finnair seat last week. (I’ve caught myself doing this often in the past 8 months.)

Heading back to my birthplace (Wroclaw, Poland), it hit me again that I’m living my dreams. I wrote down the question “Are you living the dream or chasing it?” in my notebook and reflected on that for an hour while dozing off to sleep.

I don’t know if it’s because I’m getting older, wiser (ha!), or what it is exactly, but I love my life. Which is interesting, because growing up my only goal in life was to own lots of sweet shit and have lots of money.

So I chased the dream.

When I “chased the dream” and acquired a BMW, a bunch of guitars, a big screen TV, a 2,500 sq foot home (WTF, I’m single!), and all the other trappings of the “good life” I was depressed.

I was 24 and should have been living it up.

But I was horribly depressed.

Hard for anybody to understand unless they’ve been there depressed. What I mean is, it wasn’t just a week or two of feeling sad.

It was years of “just get it over with and end it” darkness.

When I finally started getting down to what I really wanted in life (some time in late 2007/early 2008) I began to see the light. It was a slow, but beautiful, process.

No matter where you are in life, you can make steps towards living your dreams right now. Not tomorrow. Not next week. Not next year. Today.

First Step: How Stop Chasing The Dream

I’m a “do it or don’t” type of person. I know almost anything can be broken down into black/white, good/bad, right/wrong, easy/difficult.

If somebody were to ask me how to stop chasing the dream, I would give them the following series of tests. These tests are about getting back to basics.

They seemingly have nothing to do with dreams, but I promise they will force you to focus on what’s important.

When you’re focused on what’s important you’re no longer chasing dreams.

This test is difficult. If living your dreams instead of chasing them is worth anything to you that won’t matter.

But you’re free to quit right now. If you read on and don’t actually follow through on the test you’re just wasting your time.

Test #1: Cancel Cable TV and don’t watch free TV

Life Lesson #76: Stop watching so much TV.

Unless your dream is to be a screenwriter TV is getting in the way of you living your dreams. Why? Too many reasons to list, but the strongest is that watching TV conditions you, in a mostly subtle way, to want.

I’m not referring to the advertising (although that doesn’t help matters), but the actual content. It’s poison.

That includes the “news.” Watching the news seems to make people feel cultured. That’s bullshit. The news is a waste of your time and you’re getting nothing of value from it. Except maybe fodder for depressing “watercooler” arguments.

Any important news you really need to know you will hear about somehow, someway, while you’re living your dreams.

If you need more reasons to stop watching TV check out Joshua Becker’s “Ten Reasons to Watch Less Television.”

Test #2: Stop eating out

Completely.

If you’re interested in a healthy lifestyle (for yourself, the planet, the future) you’ll cut out meat and dairy, but that’s not what this is about.

This is about living the dream. And living the dream means you respect yourself.

Eating fast food is disrespectful to your mind and body.

Whatever you want to eat, prepare it yourself.

– No pre-mixed sauces

– No preservative-laden microwaveable shit-boxes

– No frozen dinners

– No store bought soda pop or booze

Eat whatever you want, but prepare it yourself. Want cookies? Bake them. Want potato chips? Fry them. (It’s not healthy, but you’ll appreciate and savor them more than fast food fries.) Want an extravagant 7 course meal? Make it.

The point of this test is to be mindful of what you’re fueling your body with. I’m willing to bet 99% of Western Civilation can’t pass this test. Be that 1%.

You’ll be thrilled with how good you feel when you fuel your body with nutrients instead of garbage.

Test #3: Read.

Books. (Life Lesson #25: Successful people read books.)

Every day.

Ridiculously Extraordinary People are in a constant search for knowledge.

I have a strong feeling that if you’re in the 1% that passes Test #2 you already read books. If you don’t, it might be something to consider. :)

It doesn’t matter what kind of books. Choose subjects that interest you. And every once in a while choose subjects you know nothing about. New languages. New cultures. New sciences. New people.

Some of my favorite books are autobiographies. Even autobiographies of people I’m not particularly interested in. I love learning other people’s life stories, especially when it’s directly from their mouths.

Second Step: How To Live The Dream

Before you can ever get to the point of living your dreams you have to stop chasing dreams. Get back to basics as in Step One and don’t worry if you’re not ready for this step yet.

The Honest Truth About Dreams

I didn’t mean to lead you on, but the truth is I can’t tell you exactly how to live your dreams. They’re yours. And that’s an important point. Don’t let anybody force their dreams for you onto you. Nobody knows what’s best for you. Not your Parents, not your friends, not your teachers, and not me.

If you’re unhappy in any way with your life the first thing you have to realize is that nothing will change overnight. It’s a process. I don’t know how long it will be for you, but just know that progress may be slow. It may take years like it did for me. Accept that. Take action.

No matter how difficult it is, remember this: the dream, your dream, is attainable.

A Great Example of Someone Living The Dream

Somebody who I know is living the dream is Benny Lewis. You’ve probably seen me mention him quite a few times in the past couple months. Benny has been traveling the world for 7 years and learning lots of new languages (7 and counting!). Hence his moniker The Irish Polyglot. I have the utmost respect for what Benny is doing with his goal to help bring language learning to the masses by making it accessible and fun. I spoke to him on Skype for about 30 minutes a couple weeks ago and the passion that comes across in his writing I could also hear in his voice.

Benny is releasing his 7 years-in-the-making Language Hacking Guide today. I had a chance to read a pre-release copy and I’m excited to start using Benny’s language hacking methods to help me learn Polish better. If you’re at all interested in learning languages, without stuffy high school or University home work assignments, I highly recommend you check out the Language Hacking Guide here.

Zero The Hero or How To Pay 0% Credit Card Transaction Fees When Traveling Outside The US

INTERIOR LIVING ROOM COUCH – CALLING CREDIT CARD COMPANY

“Hello, how much are your transaction fees when traveling outside of the United States?”

“3%”

“3%?! Does that include Canada?”

“Yes, sir.”

“But Canada is so close! Can’t you work out some kind of deal? They’re nice people, I’m sure they’ll work with you.”

“Sir, that’s not exactly how it works.”

“OK, well, can you give me a discounted fee?”

“No, sir, I’m sorry we can’t do that.”

“I’d do it for you.”

“I’m sorry sir. But please keep in mind that while traveling if you ever have any problems. Should you need a replacement card or some other assistance, for example, our concierge is ready to serve your needs 24 hours/day 7 days/week. Just call the toll free or international collect numbers on the back of your card.”

“Thank you, yeah, I’ll use that…”

And so it goes.

I called 7 credit cards.

How Many Credit Cards Had Fees Between 2-3%?

If you guessed 7, you’re right. (I’m disappointed in you Amex Platinum, we’re such good friends.)

Let’s think about that for a minute. If I’m traveling and end up spending just $1,000 I pay an extra $20-30 in fees just for the “privilege” of using my credit card.

That negates any points I receive on the spending and it’s money I could use for a decent meal or two (or more, depending).

Next I called the company with those annoying TV commercials. (Are they still on TV? I haven’t watched since 2006.)

The Capital One No Hassle card I hadn’t used in years has 0% transaction fees around the world.

Period.

End of story.

Now, I’m not saying you need to get a Capital One card for your travels.

What I’m saying is if you don’t get a Capital One card for your travels you’re being stubborn.

No international fees and the No Hassle Miles card DOES earn you points after all.

ATM Fees

If you’re using your Capital One card as an ATM card to withdraw cash (as I do) you will have to pay the cash advance fees. I get around that by paying my bill ahead of time. i.e. I keep the credit card balance at $0 at all times.

Most foreign ATMs have their own transaction fees which you will also have to pay. These can be steep (I paid $10 for an ATM withdrawal in Germany!) so instead of making lots of small withdrawals make infrequent larger withdrawals.

How To Get Around ATM Fees

I don’t have a comprehensive list, but Bank of America has relationships with foreign banks. If you use those ATMs you don’t pay ATM withdrawal fees. I know this because I’m visiting Australia soon and somebody told me WestPac Bank in Australia doesn’t charge ATM fees to Bank of America customers. I called BoA to confirm and immediately signed up for a free BoA checking account.

10 Second Recap:

– Use a Capital One No Hassle card for credit card purchases

– Find out if Bank of America (or any other bank) has relationships with banks in whatever country you’re visiting to save on ATM fees.

Bonus: Digital Nomad, Location Independent, Etc, Etc?

If you work for yourself from your laptop you’re going to want another credit card in addition to the Capital One. Not for actual purchases but for all the other benefits.

The American Express Platinum card ($450/year annual fee) has a slew of features, but the most useful are:

* Regus Gold Card – The Regus Gold Card gets you access to over 1,000 business lounges around the world. Free wifi, coffee/tea, and a quiet place to get work done. This normally costs $300/year from Regus. www.Regus.com for locations and more info.

* Airport Lounge Access – Relax in the American Airlines, Continental, and Delta/Northwest airport lounges whenever you’re traveling on those airlines.Here’s what you get in the lounges:

o Free coffee/tea.

o Free fruits/snacks.

o Clean bathrooms (some with showers).

o Comfortable chairs and quiet areas.

o Multiple TVs if you don’t feel like getting work done.

o Some of them have free alcohol. (I though alcohol was free in all the lounges, but I got charged for beer at the Chicago O’Hare (ORD) AA Admiral’s Club bar.)

o Some of them have free WiFi.

But the best aspect of the airline lounges is their employees are tremendously more helpful than the “regular” airline employees and gate agents. This is most useful during flight cancellations.

While everybody else is fighting for attention outside, you can walk into the lounge and get taken care of quickly.

Lounge access is $50/day or ~$400/year per airline without the Amex Plat.

* Concierge – Need tickets/reservations/anything? They can do it. Lose your passport? They’ll help you. Forget your wallet in a Haitian cab? They’ll find it. Or maybe you need to settle a silly bet between friends in Vegas? No request is too crazy.

* Lots of other features I’ve never used like room upgrades when staying in fancy hotels.

Conclusion

Whether you’re a casual traveler or a nomad the most important card in your travel arsenal is the Capital One No Hassle Card. And it seriously took everything in me to write a full article instead of just leaving it at that. :)

Do you have any other money related travel tips? Do you, maybe, prefer a different travel credit card?