Naked Money — I Don’t Need It


In Rolf Dobelli’s book, “The Art of Thinking Clearly” he included a chapter about naked money.

It might not be what you think.

He began the chapter by sharing a story of when he found a 500-Swiss franc bill as a high school student in the 1980s. This was equivalent to $250 and an absolute fortune for someone his age.

What did he do with the money? Bought a new top-of-the-range bike.

He noted… the funny thing was that his old bike worked fine.

While he shared that it never crossed his mind to spend his hard-earned money, he had no problem splurging his discovered money for the bike that he discovered.

“It was only upon reflection that I realized how irrational my behavior had been. Money is money, after all. But we don’t see it that way. Depending on how we get it, we treat it differently. Money is not naked; it is wrapped in an emotional shroud.”


I wanted to write about saving money, spending less.

There are two sides to the coin — abundance and scarcity.

Sacrificing certain things is still essential and necessary.

While some people try to preserve the money they have, others work out of a mindset of abundance and seek to attract more.

One is much more fruitful than the other.

But both require diligence and discipline.

If we cannot manage well the resources in front of us, how could we ever expect to manage greater resources than those?

“You are never more successful than when you make your plans, advance your cause, and overcome your obstacles on your knees in prayer. The leader who advances on his knees need never retreat.” — Charles Swindoll
“How you make your money is more important than if you make it.” — Gary Vaynerchuk

Here’s another piece I’ve written on a similar topic (linked here).


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