Minimalism Actually Maximizes Your Wallet


“I always wanted to move up in society…but the higher I go the crookeder it gets.” -Michael Corleone in The Godfather series

Everybody wants to be rich when they’re young. However, as a man ages he begins to notice, as Michael Corleone said in The Godfather III the higher I go, the crookeder it becomes. At some point, it may began to weigh on one’s conscience as to whether stepping on others to rise higher up in a corporate hierarchy and constantly creating problems to create profit are the lesser of evils, just to power a lifestyle of buying things at Walmart and the mall. This is especially true when one realizes most of the money produced by these means is:

  • Shifted up the pyramid into the bank account of a CEO.
  • Materialism and consumerism are not the source of happiness.

Additionally, cutting back on consumption maximizes the potential of any money earned rather than it being continuously tied up in a cycle of getting and spending which benefits others far more than it benefits the person earning the money. You may even go so far as I have, to a complete change in mentality in which one no longer desires to be wealthy, just free. Everything we buy is paid for with hours from our lives. That powerful realization can lead to positive change. A simple yet powerful word can be your best ally in the art of becoming a minimalist. Learn to say no, and say it often. Here are some ways saying no will allow you to say yes to things that really matter.


Saying no to waste means saying yes to more important things

The Art of Saying “No”

Refuse to be overwhelmed by consumption. Accumulating things not only fills up our homes with junk and takes up our spare time organizing, cleaning, and maintaining stuff but it also makes us spend the best years of our lives working at jobs (an average of 47 hours a week now!) we don’t really like in order to stay in place on the treadmill.

Refuse to be defined by what you own or drive. The high that comes from a new purchase and thinking what will the neighbors think of me now wears off quickly and the dreary reality of having sunk money into a frivolous purchase will follow you around. Conspicuous consumption, practically the new religion in America was first written about by Thorstein Veblen, a Norwegian sociologist in the early part of the 20th century.

As increased industrial efficiency makes it possible to procure the means of livelihood with less labor, the energies of the industrious members of the community are bent to the compassing of a higher result in conspicuous expenditure, rather than slackened to a more comfortable pace.

Basically, Veblen is saying that as production methods become more efficient, society must become more decadent to keep the economic machine running. Females demonstrably crave decadence more than males, as the oft-cited statistic that 80% of consumer purchases are driven by women proves.

Refuse to buy things because of “great deals” but because of necessity. A great deal is not a deal at all if it makes you spend money that could have been saved or spent on something else. There’s 100% off every purchase that you do not make. People are chained by their desires, and kept on a leash with debt, which drives most Americans into a hole they spend their whole lives trying to get out of.

Refuse to give up on personal goals to buy things. For each purchase you make, there are hours out of your life given to that purchase. For example, the average new car costs 1,150 hours of life assuming a $20 an hour salary. It costs 2,300 hours on a $10 an hour salary. That’s a lot of time. If you begin to look at all purchases this way, this mentality will begin to guide and change your behavior. Focus your time and energy on more worthy pursuits and goals that are intrinsically rewarding.

Refuse to subscribe to the idea material things buy happiness. Beyond meeting basic needs, more money does not buy happiness. Study after study shows this to be true, but people still dedicate their entire lives to being efficient, compulsive consumers. Intrinsic things, like family, friends, a sense of community, and free time bring happiness. Even it is considered antiquated or even anti-American if one does not wish to spend their life making someone else rich in a corporate serf job, refusing to worship at the altar of consumerism brings more happiness than lusting after that next big purchase then trying to pay it off and hang on to it once its bought.

business millionaire

Money piles up when you don’t participate in the rat race

“Yes” to More Money, More Time, More Freedom

Needless to say, money buys flexibility with time and flexibility with time rewards us with more freedom. Once turning our backs on ideology that tells we need to consume, we are what we drive, we can’t pass up a so-called great deal, we need to give up our personal goals to earn a paycheck, and that the only happiness is acquisition, the veil of a century of mass marketing and brainwashing can be tossed aside.

Even in 1899, in The Theory of the Leisure Class, Veblen saw the trends of people giving up leisure pursuits and other important parts of life so they could compete with others with consumer purchases:

Leisure held the first place at the start, and came to hold a rank very much above wasteful consumption of goods. From that point onward, consumption has gained ground, until, at present, it unquestionably holds the primacy. It frequently happens that an element of the standard of living which set out with being primarily wasteful, ends with becoming, in the apprehension of the consumer, a necessary of life. It is much more difficult to recede from a scale of expenditure once adopted than it is to extend the accustomed scale in response to an accession of wealth.

Using Veblen’s model, and as we see happen time and again in a culture that worships stuff, luxuries quickly turn into necessities and one purchase leads to another until people don’t know what they’re doing anymore. Before long, the idea of cutting back, eliminating waste, and simplfying seems preposterous to average sheeple. But minimalists know things are better on our side of the fence. We might not have as much junk lying around, but we also don’t have to spend our time worrying about and taking care of junk, and end up with a lot more money and freedom. Giving up on the rat race may be the most Red Pill money tip there is.

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  • I recently have cut way down on sugar intake, on the way to zero sugar intake. I’ve noticed that I am just not hungry for long stretches of the day because my insulin swings are much more tempered. It’s actually weird to not be hungry (I mean hours after a meal). I find myself feeling kind of bored with nothing to anticipate eating wise. In high sugar America, food is a near constant, hour by hour entertainment. I say this as a non-overweight person who had a healthy diet before, despite the sugar. You realize how much food/sugar has morphed into entertainment. Think of a typical day;

    Breakfast; rich bacon, eggs, cereal or pancakes with sugar, sugary coffee. 8:00

    Get to work and hit a cream/sugar coffee about ten. 10:00

    Rich lunch, followed by dessert 12:30

    Grab a coffee with sugar and cream after lunch 1:00

    Grab a donut from the breakroom to stave off the 3 pm fatigue. Start anticipating dinner. 3 hours to go! 3:00

    GORGE on a huge dinner, followed by dessert, cheesecake or haagen-dazs 6:00

    Drink wine, beer or whiskey after dinner, 7:00-8:00

    Get a snack before bed. 10:00

    The longest stretch of not eating there is about 3 hours. I tried to portray a normal day as well as possible. Quit sugar and you will drop a 1000 calories a day without even trying to. You will save 200-300 bucks a month. 3K a year for 20 years is 60k, all wasted on your taste buds.

    My advice to any 18 year old is QUIT sugar. A lot of expensive lattes are likely just for the sugar buzz. Times when you swear you are starving is just due to insulin deception. Desserts, Ice cream, excessive hunger due to the illusion of hunger that insulin spikes bring.

    Do not miss out on 30 countries worth of travel experiences just to appease your taste buds all throughout the day for 20 years. You won’t remember that sugar/cream filled latte you had after lunch 15 years ago.

    My only divergence is that I feel good clothing is a valid expense. A decent-sized wardrobe with well-fitting, tailored, good fabrics, good shoes, silk ties is not an empty social signalling waste of money. A good, classy outfit is a constant, low-grade mood enhancer. It’s a visceral payoff, imo, and really adds to how you feel and elevates your thinking. A lot of minimalists pride themselves on their shit clothes that a middle school boy would wear but it’s a missed opportunity to enjoy life. A slow, tempered commitment to good clothing can add up. Ebay for ties and shoes. It’s worth it, imo.


  • These are some really great points on consumerism. If we all cut back on our spending habits and focused on the important things the world would be a better place. It could even help the environment. Very thought provoking writing here. Thanks for sharing. Please check me out at


  • Good advice. Especially on ignoring deals and only buying when you need something. Along with advertising, that’s one of the most common things that drives consumer spending.

    Some habits I’ve picked up over the years:
    – Don’t go out to bars, or if you do, only buy a drink or two. I blew thousands of dollars in my early 20s doing that. Most people don’t socialize with outside grous when they go out anyway. I would’ve had just as much fun splitting a case of beer with close friends for a tiny fraction of the price of going out.
    – Don’t go out to eat often. When you do, just get water (drinks are a restaurant’s highest profit margin). It’s just as fast and easy to make a few big meals a week, and save the leftovers for later. Get a crockpot or pressure cooker and learn a few simple, healthy meals. Use salt and hot sauce or freeze them to make them last longer. Use different condiments if the same meal gets boring.
    – Don’t go in to debt, buy with cash wherever possible, especially for cars. If you can pay off the balance in full each month, get a credit card for added purchase security. Look for cards that offer deals similar to $200 back on your first $1000 in purchases and $0.015 back per $1 spent. It’s free money if you stay on top of them.
    – If all your debts are paid off: following a crash, invest leftover cash in low cost ratio index funds and reinvest the dividends. If the market becomes over-inflated relative to fundamentals, move it into high yield savings accounts until it corrects. Don’t invest in individual stocks unless you know the industry and you know what you’re doing.
    – Focus on reducing recurring payments wherever possible, as they add up over time. Purchase assets instead of renting whenever possible (except with housing). This also applies to gym memberships: get a weight set, or at the least, an adjustable barbell and dumbbells.
    – Focus on reducing the time spent on necessary tasks. At some point, saving money gives diminishing returns. Buying things that make life easier, or cut the time you need in half are worth it. If you’re being paid $30/hour, it’s worth spending an extra $30 on a device that cuts your time spent doing chores by 3 hours each week.
    – Try to buy things that are higher quality, lower maintenance, and more compact.
    – On occasion, spending more is worth it. I have an uncommon body type, and have spent countless hours shopping for dress shirts that don’t look that great, which I’ve eventually ended up giving away. I dropped a bunch of money buying custom fit, wrinkle resistant shirts, and now I always look great, and I won’t have to go shopping again or buy new shirts for years.
    – Learning to live below one’s means and knowing where to save gives one a greater appreciation for value and the worth of time.

    Liked by 1 person

  • Good idea to think about money in terms of time. Obviously time is more important. As Seneca said, it constantly spends itself and will soon enough run out.


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