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Do You Use Money to Live, or Does Money Use You?

Money and happiness have always been tightly linked in human life. But here’s the big question: does money truly buy happiness, or does it sometimes control us instead? In this article, inspired by Theo Derick’s discussion, we’ll dive deep into the role of money—whether it’s just a tool to fulfill needs, a source of pride, or even a trap when used the wrong way.

Money as a tool — At the most basic level, money does bring happiness when it fulfills urgent needs. Imagine being stuck in traffic in a Ferrari but desperately needing a bathroom. In that moment, the car doesn’t matter—relief does. Happiness often comes from solving immediate problems, and money helps us do that.

When Needs Are Met: The Law of Diminishing Returns

Once food, shelter, transportation, and basic security are covered, additional money doesn’t always bring more joy. This is the law of diminishing returns: the first car feels incredible, the second adds some excitement, but the third or fourth won’t deliver the same emotional spike. Beyond a certain point, money often fuels ego, status, and comparison rather than genuine happiness.

Why We Still Need to Grow Wealthier

Does that mean we shouldn’t aim for wealth? Not at all. As we age, expenses inevitably grow. Health, family needs, and responsibilities expand. Becoming financially stronger isn’t just about luxury—it’s about having the ability to help others, support loved ones, and live without constant stress about survival.

“The goal is not to let money control you, but to make it a servant that enables growth, generosity, and peace of mind.”

Dream Big, Plan Realistically

Money is also tied to ambition. Should we dream big or stay realistic? The answer: dream as big as you can, but break it down into realistic steps. Big dreams push us further, while realistic goals keep us grounded and consistent. Even saving or investing a small amount each month compounds into significant progress over the years.

Life’s Ups and Downs: A Financial Perspective

Life is never a straight line—it’s like the fluctuating chart of a stock. The key principle is this: don’t let your “lowest lows” be lower than before. Just like long-term stock trends move upward despite short-term volatility, our financial and personal growth should show progress year after year.

Three Daily Practices for Instant Happiness

Theo Derick also shared three powerful habits to cultivate peace and happiness in daily life, regardless of financial ups and downs:

• Do your best today with whatever is within your control.
• Practice gratitude for small joys—whether it’s a cup of coffee, a good meal, or a meaningful conversation.
• Entrust the future to God or the bigger plan while staying consistent in your efforts.

Conclusion

Money is essential—it meets needs, supports families, and provides opportunities. But chasing it endlessly for status or comparison leads to emptiness. Use money to live, grow, and bless others, but never let it dictate your worth or happiness.

So, ask yourself: Do you use money to live, or are you letting money use you? Share your thoughts below and inspire others to reflect on their financial journey.

Label: Self Development

References / Sources

• Video: PAKE UANG BUAT HIDUP ATAU HIDUP LO DIPAKE SAMA UANG?!
• Channel: Theo Derick
• Watch on YouTube