When expenditures exceed income causing us to work more, remain in an undesirable rat race longer, and spend less time with our family, a fatal seemingly irreparable flaw or health problem may ensue. Having a net asset value (NAV) or monetary balance of zero liberates people to feel freer, therefore encouraging tenacious pursuits toward worthy dreams. Before your next impulsive binge purchase, ask yourself, “Is the tradeoff worth it?” Please choose to love yourself and family by making memories that give real long-term fulfilment, return on effort/energy, return on investment (ROI), and return on time (ROT), not just temporary relief caused by neglect or trying to numb the feeling of emptiness or brokenness. Recognize that you matter.

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