Are You Floundering Around Or Taking Care Of Business?

Finances can be a fickle thing. Generally, you have a job, you get paid on a regular schedule and hopefully your bills come on a semi-regular schedule as well. In between you can spend money on many different services or products, save or invest. Ideally, you’ll have some financial goals you’re working toward.

Sometime along the way a few roadblocks pop up and you get thrown off track. There could be some windfalls that suddenly fall in your lap as well. All of that is fine and dandy, but your financial success might depend on something outside of all of these events. The real question is, do you handle your finances and goals with a sense of urgency or do you just kinda get around to it when you feel like it? How you answer that question can make a big difference in your life.

Those Who Wait for Things To Come To Them

The people who wait around for good things to happen to them aren’t going to be getting ahead quickly. If you’re kinda getting around to your financial goals when it is convenient for you, you’re not going to get ahead quickly either. Why?

Those who don’t take the bull by the horns and just wait around are likely to be the same type who make excuses when things aren’t going smoothly. Chances are, when something good happens it’s completely due to something awesome they did, but when something bad happens it is all someone else’s fault. This is a bad recipe if you’re hoping to become financially successful.

Those Who Take Care of Business

The other group of people are those who take care of business rather than wait for things to happen. They try to be proactive and think ahead with their money and in life in general. They plan ahead for things like retirement and large purchases and don’t just hope things work out like the first group does.

The people who take care of business save up money in an emergency fund in case things go wrong and they realize that it isn’t always someone else’s fault when things go wrong. Instead of figuring out who to blame, they try to figure out how to prevent these problems from popping up again.

When something good happens to a person who takes care of business, instead of instantly taking credit and gloating about it, they try to figure out what the real reason was the good thing happened and they try to make it happen again.

They’ll also have more self control when the good thing happens. They will work to make the good thing further their goals rather than wasting it on a spur of the moment splurge.

Which One Are You?

Which are you? Are you a flounder who waits for things to happen to you or are you someone who takes control of the situation to further your goals? Be honest with yourself and let us know in the comments below!

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About Lance Cothern

Lance Cothern, a Certified Public Accountant (CPA) licensed in the Commonwealth of Virginia, is the founder of Money Manifesto. You can read more about him here or connect with him on Facebook, Twitter, Google+ or Pinterest.


  1. I know a lot of people who just wait for good things to happen. Unfortunately, it doesn’t really work that way. You have to put in some effort career-wise to get anywhere THEN good things can happen.

  2. I am definitely the person who takes care of business. I don’t like the feeling of letting things come to me.

  3. Good things happen to people who do things to make it happen. I know you can find exceptions, but they are very few.

  4. I used to flounder and then after I took control of my life, now I take charge of everything. Rarely do good things just come your way. You have to bring them to yourself.

  5. I worked with a lady at one of my last jobs who was in her late 40’s, living paycheck to paycheck (despite the fact that she was making much more than me) and wasn’t saving at all. She smoked like a chimney and was paying everything for her “can’t get a job” live-in boyfriend so I assume that was part of the problem but you can make it work on one salary if you cut your expenses and they definitely lived it up. When I casually asked her what she was doing for retirement since we weren’t offered any 403(b) plan, she laughed. Just living on a prayer like that is so scary to me. I am proactive because i don’t want to end up in a situation similar to hers, where I’m in my late 40s and don’t have a single dollar of retirement to my name.

  6. I think it depends for me. I would love to be the take-charge taking care of business guy, and I am at times, but I know sometimes I find myself dropping back and waiting for things to happen.

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