Ten Words for 2023
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|Â Â Dec 31, 2022
MOST OF US ARE forever striving to be better versions of ourselves—usually with mixed success. Still, the changing of the calendar often prompts renewed efforts. But what should we focus on? Let me offer 10 words that I try to live by.
1. Pause. Throughout the day, we make snap decisions, and they usually work out just fine—except when it comes to spending and investment choices. Got an overwhelming urge to buy an expensive bauble or make a portfolio change? Try waiting a few days, so your feverish desire has a chance to cool and you can ponder the decision with a clearer head.
2. Reflect. Feeling down? Take a minute to think about your good fortune—the friends and family who surround you, the home you live in, the wonderful experiences you’ve enjoyed, the wealth you’ve accumulated. With gratitude comes happiness.
3. Move. Exercise has all kinds of benefits—physical, emotional and cognitive . If possible, try to get your exercise outside, so you can delight in nature, see your fellow humans at play and feel the sun upon your face.
4. Give. This doesn’t have to be money . You can also give of your time by, say, volunteering for your favorite charity or helping out at your place of worship. I see this every day: HumbleDollar’s writers get paid little—and some decline payment—and yet they pour countless hours into their articles. Trust me, they’re a wonderful bunch of folks to work with.
5. Sleep. This is one of my greatest struggles. I know I sleep better when I’ve been active during the day, eat earlier in the evening and have addressed any major worries. What if these things don’t happen? You’ll find me answering emails at 4 a.m.
6. Simplify. Over the past few years, I’ve been shedding both possessions and financial accounts . I highly recommend it. It’s liberating to be less encumbered by both financial complexity and household items you no longer care about. Afraid you’ll dispose of something and later regret it? I’ve shed countless items and, thus far, I haven’t had a single pang of regret.
7. Talk. We, of course, do a lot of talking, but we often avoid the important stuff, especially when it comes to our finances . Too many folks shy away from honest conversations about money, partly because they fear they’ll reveal their ignorance or they’re embarrassed that they haven’t amassed more.
Get over it. Within families, I think the onus is on the parents to start these conversations, talking about what financial contributions they can afford to make toward college costs, how well they’ve prepared for their own retirement and what steps they’ve taken to address end-of-life issues . Such conversations don’t just keep everybody informed. They can also spur all concerned to be better managers of their money.
8. Listen. We tend to be much better at talking than listening. There’s an obvious reason to be a better listener: We can learn about others and their perspective on the world, and that may nudge us to change our own views. But there’s also a less obvious reason: People will like you more. Want to endear yourself? Stop talking about yourself and ask others about their lives.
9. Never. Our most important actions are often the ones we don’t take. Indeed, in a world full of temptation, it’s useful to decide what’s verboten. My list includes individual stocks, fried chicken, actively managed funds, hard liquor, CNBC and processed meats. (Okay, I admit it, pepperoni gets the all-important pizza exception.)
10. Anticipate. I love having fun times to look forward to. Last January, I made the arrangements for the get-together for my 60th birthday—which won’t happen until next month. In August, I booked a cruise from New York to Bermuda—for March 2024. Every so often, I daydream about what the cruise and my birthday celebration will be like, and that daydreaming offers a thoroughly enjoyable minute or so that costs me nothing.
Want to squeeze more happiness from your dollars? My advice: Plan that vacation, family reunion or remodeling project well in advance—and make sure you do a lot of research, so you have the pleasure of imagining all kinds of possibilities.
Jonathan Clements is the founder and editor of HumbleDollar. Follow him on Twitter @ClementsMoney and on Facebook , and check out his earlier articles .
Do you enjoy HumbleDollar? Please support our work with a donation . Want to receive daily email alerts about new articles? Click here . How about getting our newsletter? Sign up now .
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Jonathan…avid fan and follower of Humble Dollar! However, as an avid follower what is wrong with a martini or scotch & soda at the end of the day, particularly if you are a retiree? Must regress… Winston Churchill enjoyed scotch and lived to a ripe old age!
Admin
Fred Wallace
We all “sin” — but, for the sake of our health and our finances, we have to limit our sinning. There’s nothing wrong with having a martini or scotch and soda. But if you’re going to do that, what are you not going to do? A martini, followed by a few glasses of wine with dinner and a brandy afterwards, strikes me as a recipe for a short life if done on a daily basis.
Happy Birthday Jonathan!
Today is Jonathan’s 60th birthday, and as his Mum I would like all his readers to know how proud I am of him, not only as a fine human being, but also as a a person with a strong work ethic. Thank you for so much love and caring and all that you do for our large family.
Great list. For #9, I have a running list of things I’ll never do again:
Horseback riding
Fly on American Airlines
Go to Las Vegas (unless there’s an awesome show I want to see)
Thanks for everything this past year, Happy New Year, and Happy Big Birthday!
DrLefty
As a spin-off to your #2: After this last week, a lot of people in the US likely added Southwest to their list. Talk about a bad week for them..
#9…no hard liquor, except for bourbon.
adding to #9,
white bread Lotto sod a choco chip cookies 
I would suggest that you are missing the most important one. Practice your faith.
Great list. Need to address #6. Unfortunately for my husband, parting is always such sweet sorrow. If it weren’t for #10, even with small things, I wouldn’t be nearly as happy most of the time.
Great article, Jonathan. All excellent suggestions. I’m lucky in that I don’t ever have to worry about my sleep, so I’d just add “Appreciate” at the end to replace it for me.
Why? 2022 was a year of small small joys and pleasures, of appreciation for many things we usually overlook, and of having my curiosity rewarded with lots of new learning.
During the past year, I felt constantly moved by seeing what humans can achieve, whether it was with a musical instrument, with a pen, with a paint brush, or even with a spacecraft, and especially by the everyday friendliness and simple acts of kindness among friends and strangers. I hope every future year delivers such rewards.
I admit, I had to Google what “verboten” meant, but then again, I am a product of the public school education system.
Nate Allen
Being surrounded by fellas who loved WWII movies… and having a husband who worked for a German-based company, verboten is one of the few German words I do know! Bier, danke, guten tag, and vassa are the others!
Admin
Nate Allen
Maybe I should add “use of verboten” to the “never” list….
Jonathan Clements
I will admit, I noticed your use of parentheses. However, it was for a “humorous aside”, so I think we can let it slip. I have also started counting the number of capitalized characters in every article, along with trying to limit my use of commas in comments, which I tend to fail miserably at, as evidenced with this sentence.
One thing that I’d like to know: When do you decide to use this headshot , as seen in the above article, and when do you use this headshot , as you sometimes do . Inquiring minds want to know, Jonathan!
Admin
Nate Allen
I try to mix up the headshots, just for the sake of variety. Sorry it isn’t any more mysterious than that!
Great list, Jonathan. I need to work on #2 and #6 (and probably a few others).
Happy New Year!
Admin
Andrew Forsythe
Happy New Year to you, too, Andrew. I look forward to more articles in 2023 about your battles with customer service!
I would like to add to #9. No trampolines No motorcycles No guns if you do not know how & when to use one No single engine airplane rides But, I am keeping my gin.
Ted Meek
finallygave up my motorcycle after 50 years of riding…but keeping the bourbon.
My first time logging in to make a comment. I’m more of a lurker 🙂
Wonderful list – thank you! I’ve bookmarked this page so that I can refer back to it regularly.
Happy New Year to all!
#5 and #9 are ones I need to work on in 2023. Great list.
A bit stuck on “never fried chicken,” but pretty good list.
Admin
Jack McHugh
We all have to draw the line somewhere. Note that I didn’t commit to “never French fries” or “never wine.”
#3 reminded of something my doctor told me. He said, “Motion is the lotion for your joints.” And #2 can help make an amazing day for you if you just think about what your life would be like 100 years ago. My father grew up using an outhouse. He really seemed to enjoy indoor plumbing.
A great list and great advice for all of us. I definitely have room for improvement on these items. I tried to think of any to add to the list and the only one I could think of was grace. Be gracious to others. Happy New Year!
Jerry Pinkard
And grace for oneself!
This is one of those that articles that should printed out, placed on the refrigerator, and referred to frequently.
#8 reminded of a favorite saying a friend taught me. “God gave you two ears and one mouth so you should listen twice as much as you speak.”
Thanks Jonathan. Happy New Year to you and the HD community.
Admin
Rick Connor
Happy New Year to you, too, Rick — and thanks for all the great articles in 2022.
Thank you Jonathan, and to your contributors, for your sane and sensible newsletters. They are a pleasure to read. Wishing you a safe slide into the new year!
Darn! I was going to gift you with individual stocks, and processed meat for your birthday. PS: I haven’t received my invite yet.
Great list! Two tech items have helped me with 3) Move and 5) Sleep. In 2019, I bought my first ebike. After logging 6,000 miles during the first two years, I came off blood pressure medication. Nuff said! I ride nearly every day and more consistently than many of my cyclist friends who have “analog” bikes. I also purchased an Oura ring at around the same time. It’s a sleep tracker that encourages good “sleep hygiene.” It may not be for everyone, but it’s worked for me by providing feedback on my sleep habits to that I can identify what works and what doesn’t (like having a late night snack and beer before bed).
ralphgrizzle
Ebike convert here, too! Now my husband needs one because it’s too easy to leave him in the dust. I turn off my battery…but you’d better believe it’s on for hills!
Stacey Miller
Haha! The ability to regulate speed (turning off, for example) does help when riding with “old school” family and friends!
Wise words.
Sage advice all around.
Excellent words to live by for sure.
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Guide. Articles. Checkup. Voices. About. Donate. Check your inbox or spam folder to confirm your subscription. Guide. Articles. Checkup. Voices. About. Donate. |  Dec 31, 2022. MOST OF US ARE forever striving to be better versions of ourselves—usually with mixed success. Still, the changing of the calendar often prompts renewed efforts. But what should we focus on? Let me offer 10 words that I try to live by. 1. Pause. Throughout the day, we make snap decisions, and they usually work out just fine—except when it comes to spending and investment choices. Got an overwhelming urge to buy an expensive bauble or make a portfolio change? Try waiting a few days, so your feverish desire has a chance to cool and you can ponder the decision with a clearer head. 2. Reflect. Feeling down? Take a minute to think about your good fortune—the friends and family who surround you, the home you live in, the wonderful experiences you’ve enjoyed, the wealth you’ve accumulated. With gratitude comes happiness. 3. Move. Exercise has all kinds of benefits—physical, emotional and cognitive . If possible, try to get your exercise outside, so you can delight in nature, see your fellow humans at play and feel the sun upon your face. 4. Give. This doesn’t have to be money . You can also give of your time by, say, volunteering for your favorite charity or helping out at your place of worship. I see this every day: HumbleDollar’s writers get paid little—and some decline payment—and yet they pour countless hours into their articles. Trust me, they’re a wonderful bunch of folks to work with. 5. Sleep. This is one of my greatest struggles. I know I sleep better when I’ve been active during the day, eat earlier in the evening and have addressed any major worries. What if these things don’t happen? You’ll find me answering emails at 4 a.m. 6. Simplify. Over the past few years, I’ve been shedding both possessions and financial accounts . I highly recommend it. It’s liberating to be less encumbered by both financial complexity and household items you no longer care about. Afraid you’ll dispose of something and later regret it? I’ve shed countless items and, thus far, I haven’t had a single pang of regret. 7. Talk. We, of course, do a lot of talking, but we often avoid the important stuff, especially when it comes to our finances . Too many folks shy away from honest conversations about money, partly because they fear they’ll reveal their ignorance or they’re embarrassed that they haven’t amassed more. Get over it. Within families, I think the onus is on the parents to start these conversations, talking about what financial contributions they can afford to make toward college costs, how well they’ve prepared for their own retirement and what steps they’ve taken to address end-of-life issues . Such conversations don’t just keep everybody informed. They can also spur all concerned to be better managers of their money. 8. Listen. We tend to be much better at talking than listening. There’s an obvious reason to be a better listener: We can learn about others and their perspective on the world, and that may nudge us to change our own views. But there’s also a less obvious reason: People will like you more. Want to endear yourself? Stop talking about yourself and ask others about their lives. 9. Never. Our most important actions are often the ones we don’t take. Indeed, in a world full of temptation, it’s useful to decide what’s verboten. My list includes individual stocks, fried chicken, actively managed funds, hard liquor, CNBC and processed meats. (Okay, I admit it, pepperoni gets the all-important pizza exception.) 10. Anticipate. I love having fun times to look forward to. Last January, I made the arrangements for the get-together for my 60th birthday—which won’t happen until next month. In August, I booked a cruise from New York to Bermuda—for March 2024. Every so often, I daydream about what the cruise and my birthday celebration will be like, and that daydreaming offers a thoroughly enjoyable minute or so that costs me nothing. Want to squeeze more happiness from your dollars? My advice: Plan that vacation, family reunion or remodeling project well in advance—and make sure you do a lot of research, so you have the pleasure of imagining all kinds of possibilities. Jonathan Clements is the founder and editor of HumbleDollar. Follow him on Twitter @ClementsMoney and on Facebook , and check out his earlier articles . Do you enjoy HumbleDollar? Please support our work with a donation . Want to receive daily email alerts about new articles? Click here . How about getting our newsletter? Sign up now . Browse Articles. Ten Steps for 2023. How Much is Enough? 1. Subscribe. Log in with. D. Login. 37. Jonathan…avid fan and follower of Humble Dollar! However, as an avid follower what is wrong with a martini or scotch & soda at the end of the day, particularly if you are a retiree? Must regress… Winston Churchill enjoyed scotch and lived to a ripe old age! Admin. Fred Wallace. We all “sin” — but, for the sake of our health and our finances, we have to limit our sinning. There’s nothing wrong with having a martini or scotch and soda. But if you’re going to do that, what are you not going to do? A martini, followed by a few glasses of wine with dinner and a brandy afterwards, strikes me as a recipe for a short life if done on a daily basis. Happy Birthday Jonathan! Today is Jonathan’s 60th birthday, and as his Mum I would like all his readers to know how proud I am of him, not only as a fine human being, but also as a a person with a strong work ethic. Thank you for so much love and caring and all that you do for our large family. Great list. For #9, I have a running list of things I’ll never do again: Horseback riding. Fly on American Airlines. Go to Las Vegas (unless there’s an awesome show I want to see) Thanks for everything this past year, Happy New Year, and Happy Big Birthday! DrLefty. As a spin-off to your #2: After this last week, a lot of people in the US likely added Southwest to their list. Talk about a bad week for them.. #9…no hard liquor, except for bourbon. adding to #9, white bread Lotto sod a choco chip cookies . I would suggest that you are missing the most important one. Practice your faith. Great list. Need to address #6. Unfortunately for my husband, parting is always such sweet sorrow. If it weren’t for #10, even with small things, I wouldn’t be nearly as happy most of the time. Great article, Jonathan. All excellent suggestions. I’m lucky in that I don’t ever have to worry about my sleep, so I’d just add “Appreciate” at the end to replace it for me. Why? 2022 was a year of small small joys and pleasures, of appreciation for many things we usually overlook, and of having my curiosity rewarded with lots of new learning. During the past year, I felt constantly moved by seeing what humans can achieve, whether it was with a musical instrument, with a pen, with a paint brush, or even with a spacecraft, and especially by the everyday friendliness and simple acts of kindness among friends and strangers. I hope every future year delivers such rewards. I admit, I had to Google what “verboten” meant, but then again, I am a product of the public school education system. Nate Allen. Being surrounded by fellas who loved WWII movies… and having a husband who worked for a German-based company, verboten is one of the few German words I do know! Bier, danke, guten tag, and vassa are the others! Admin. Nate Allen. Maybe I should add “use of verboten” to the “never” list…. Jonathan Clements. I will admit, I noticed your use of parentheses. However, it was for a “humorous aside”, so I think we can let it slip. I have also started counting the number of capitalized characters in every article, along with trying to limit my use of commas in comments, which I tend to fail miserably at, as evidenced with this sentence. One thing that I’d like to know: When do you decide to use this headshot , as seen in the above article, and when do you use this headshot , as you sometimes do . Inquiring minds want to know, Jonathan! Admin. Nate Allen. I try to mix up the headshots, just for the sake of variety. Sorry it isn’t any more mysterious than that! Great list, Jonathan. I need to work on #2 and #6 (and probably a few others). Happy New Year! Admin. Andrew Forsythe. Happy New Year to you, too, Andrew. I look forward to more articles in 2023 about your battles with customer service! I would like to add to #9. No trampolines No motorcycles No guns if you do not know how & when to use one No single engine airplane rides But, I am keeping my gin. Ted Meek. finallygave up my motorcycle after 50 years of riding…but keeping the bourbon. My first time logging in to make a comment. I’m more of a lurker 🙂. Wonderful list – thank you! I’ve bookmarked this page so that I can refer back to it regularly. Happy New Year to all! #5 and #9 are ones I need to work on in 2023. Great list. A bit stuck on “never fried chicken,” but pretty good list. Admin. Jack McHugh. We all have to draw the line somewhere. Note that I didn’t commit to “never French fries” or “never wine.” #3 reminded of something my doctor told me. He said, “Motion is the lotion for your joints.” And #2 can help make an amazing day for you if you just think about what your life would be like 100 years ago. My father grew up using an outhouse. He really seemed to enjoy indoor plumbing. A great list and great advice for all of us. I definitely have room for improvement on these items. I tried to think of any to add to the list and the only one I could think of was grace. Be gracious to others. Happy New Year! Jerry Pinkard. And grace for oneself! This is one of those that articles that should printed out, placed on the refrigerator, and referred to frequently. #8 reminded of a favorite saying a friend taught me. “God gave you two ears and one mouth so you should listen twice as much as you speak.” Thanks Jonathan. Happy New Year to you and the HD community. Admin. Rick Connor. Happy New Year to you, too, Rick — and thanks for all the great articles in 2022. Thank you Jonathan, and to your contributors, for your sane and sensible newsletters. They are a pleasure to read. Wishing you a safe slide into the new year! Darn! I was going to gift you with individual stocks, and processed meat for your birthday. PS: I haven’t received my invite yet. Great list! Two tech items have helped me with 3) Move and 5) Sleep. In 2019, I bought my first ebike. After logging 6,000 miles during the first two years, I came off blood pressure medication. Nuff said! I ride nearly every day and more consistently than many of my cyclist friends who have “analog” bikes. I also purchased an Oura ring at around the same time. It’s a sleep tracker that encourages good “sleep hygiene.” It may not be for everyone, but it’s worked for me by providing feedback on my sleep habits to that I can identify what works and what doesn’t (like having a late night snack and beer before bed). ralphgrizzle. Ebike convert here, too! Now my husband needs one because it’s too easy to leave him in the dust. I turn off my battery…but you’d better believe it’s on for hills! Stacey Miller. Haha! The ability to regulate speed (turning off, for example) does help when riding with “old school” family and friends! Wise words. Sage advice all around. Excellent words to live by for sure. Free Newsletter. 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