I Didn’t Dream Big, You Should

I crested the top of the hill, gasping for air, legs screaming in pain.  My cycling GPS tracker beeped to show my time.  It said 3:37.  Holy crap….  After a minute or two to catch my breath and get my heart rate down, I let out a primal scream.  Yeeeeeesss! 

I just set my personal best on the most notorious hill of our regular race circuit – for the third time this year.  I remember breaking the 4-minute mark on the hill in 2019 before the pandemic.  Going under four minutes on this hill is a big deal, it’s when the super fast riders start looking at you as a real competitor.  After that ’19 season my buddy Matt said “I know you can do it faster, I bet you could chop another 10 – 15 seconds off your time.” 

“15 seconds? No way” I thought. 

Matt’s a killer, a former sponsored athlete.  I’m always chasing him, he makes me suffer.  His best on the hill was 3:39.  It seemed unreachable.

But here I am a year and a half later and I bested his time by 2 seconds.  Matt believed in me, but I didn’t.

I don’t dream enough.

 

Follow What?

Dream“Follow your dreams.”  That might be one of the most cliche things to say to a kid or young person.  One of it’s inherent flaws is that it assumes the person has dreams in which to follow.  

I really never had any dreams to follow. 

It saddened me a bit to type that sentence, but it’s true.  A volatile and often toxic childhood sent me clear messages that I wouldn’t really amount to much.  Those messages often came directly verbalized, and that’s not a great thing to say to a kid.  But that was my experience. 

On top of the family situation my physical surroundings were that of inner-city Baltimore, a sea of poverty and crime ridden dreariness.  It’s hard for a young and impressionable brain to dream about the future when the world seems to be screaming “don’t bother kid, you ain’t going nowhere”. 

So for me, dreaming big of a future life or career was just not even a concept.  Where I grew up you just looked at things individually and tried to survive.  Don’t get killed today… where can I score some beer for tomorrow… and so on.

 

Money Dreams I Never Dreamt

DreamI’m long long past financial independence.  I have a massive cushion, plus a burgeoning business and a guaranteed pension.  From afar, one could look at my situation and assume it’s a position that a young person would dream to achieve.  I agree. 

I never dreamt it though.  Of course that doesn’t negate what I’ve achieved or make it any less of a desirable position to be in.  But I’ve lately been contemplating the fact that I tend not to dream big about the future, and wondering what I would have dreamt about achieving when I was young if I were pressed to do it. 

Here’s what I think I would have come up with.  

Dream Big – A nice cushy job and a comfortable house.  Financial stability and retirement at 65.

Most Likely Outcome – A hard job but one that pays the bills.  Financial survival, but not enough to escape Baltimore.  Most likely have to work past 65.

Worst Case Scenario – A life similar to those I grew up around.  Job insecurity, no money saved, always close to financial ruin.  Having to support family members in similar situations.  Get shot and killed (it is Baltimore after all….)

 

Health Dreams I Never Dreamt

Another facet of life I’ve excelled at is health.  But my success only came after being overweight or obese for most of my life. 

Even though I loved sports I never played on an organized sports team, ever.  No little league baseball, nothing in high school or college.  As cliche as it sounds, I was indeed often (not every time) the last kid picked when lining up teams for dodge ball or kickball in grade school.  And yes those situations are as humiliating as you’d think they’d be. 

I didn’t dream big about being a famous athlete like most boys, or even being a mediocre one.  What would I have dreamt as a young person if asked in the arena of health and sports?

Dream Big – To be thin or at least normal weight.  To maybe make a competitive recreation team in any sport one day

Most Likely Outcome – Struggle with my weight my whole life.  Try to achieve something notable in any arena, maybe succeed (run a marathon, climb a big mountain)

Worst Case Scenario – Be overweight or obese my whole life.  Die way too young as a result.

As you can see, for both my career and my health I would have had dreams that in reality I’ve exceeded.  Which gets me thinking… 

 

Did I Underperform?

DreamI’ve accomplished a lot in life without dreaming big.  I naturally wonder if I could have done more with stars to shoot for, stars that I launched in the sky.

Many of my cycling friends dream of winning races and in some cases becoming professionals.  The closest I came to that was in this post I wrote in 2019, right around the time my buddy Matt told me I could do better on our racing hill.  I wrote:

I’m throwing it down now – 2019 Dave, prepare to get your ass handed to you by Future Dave.  Go ahead and eat your slice of humble pie now and get used to the taste of your own tears dude, because I’m coming!

That sounds like I was dreaming, but if I’m being honest I was “blog-fronting”.  Sure I meant those lines when I wrote them for the post, but I failed to believe them deep inside and translate them into real tangible dreams of getting better. 

And I know why.  It’s because deep inside I still had doubts.  As I look back on my life whenever something good happened I tended to think “this is as good as it’s gonna get, be happy”.  I can only assume that habit arose from my childhood trauma and the toxic relationships I endured.  It’s hard to change thoughts and behaviors that were programmed in your brain at an early age.

Regardless, the bottom line is that 2021 Dave is putting 2019 Dave to shame.  My business keeps growing and I’m smashing all of my cycling personal records.  The smack-talk I laid down in 2019 came true even though I was mostly putting up a false facade.

I didn’t dream big, yet I still achieved financial independence and did pretty well for myself.  So now I’m working real hard to learn to dream about a better future, in every aspect of life.

Dreaming creates a mindset of abundance, and possibility.  If I succeeded without dreams, how far can I go with them?

Your turn – Do you tend to be a dreamer?  If so do you dream of financial independence?

Subscribe To New Posts Here!

Dave @ Accidental FIRE

I reached financial independence and semi-retired in my mid-40's through hard work, smart living, and investing. This blog chronicles my journey and explores many aspects of personal finance including the psychological and behavioral factors that drive our habits.

You may also like...

36 Responses

  1. I definitely never dreamed big enough when I was growing up–mostly the result of lots of sexist messaging about a “woman’s place.” I’ve been fighting against that ever since, but not necessarily in the coherent way that might have been possible if I’d been dreaming big from the start. I’m not saying I could have been or even would have wanted to be a Bill Gates or an olympic athlete, but I do look at people who achieve huge things and think it’s amazing that they thought so big in the first place, because I never have. I think if I could only pass one thing on to my kids, it would be to think big, really big. So thanks; really enjoyed this post.

    • Dave @ Accidental FIRE says:

      Even though I didn’t have any sisters growing up I’d hear the woman’s place stuff from other families back then. Oh how times have changed. Sorry you had to deal with that but like me you did really well for yourself having not really dreamt. Glad the post resonated, thanks for stopping by!

  2. What a fantastic post. I think I accomplished a whole lot too while never dreaming big (and feeling I didn’t deserve big dreams). Once I started dreaming big though, I started making big, scary things happen in my life way faster than I thought I could. I wish you all the best as you continue dreaming! – Jess

    • Dave @ Accidental FIRE says:

      Thanks Jessica, you deserved them for sure – we all do. But some of us just weren’t raised to think that way. Either way we did alright I think 😉

      Best to you on your future dreams too and thanks for the great comment!

  3. Financial Imagineer says:

    I’m a dreamer by all accounts and loved this blog post. Thanks for putting it together. It’s so worth it to 1. take time to dream, 2. try to find ways to work towards your dreams and ultimately, 3. live your dreams! I call myself Financial Imagineer for that very reason. Dreaming and thinking about how to get there are what makes us – at least for my understanding – different from animals. Keep dreaming, keep growing, keep doing and enjoy!!! That’s the very best way to enjoy a life.

    • Dave @ Accidental FIRE says:

      Yes it’s built in your blog name. That’s pretty cool and I’m glad the post still resonated. Thanks for stopping by!

  4. Dang, this guy can WRITE! I wonder if he ever dreamed of becoming a writer….

    • Dave @ Accidental FIRE says:

      Haha, thanks very much Fritz. No I didn’t ever dream of that. But I did read a lot and whenever I read a great book I’d contemplate how the hell the author did that.

  5. steveark says:

    I set my dream of running the billion dollar complex I interned at by the time I was forty. It took me one extra year, to age 41 to accomplish that. After 15 marathons and nearing the age of 60 I finally realized I did not have the genetics to qualify for the Boston marathon. But my biggest dreams were having a great marriage and raising kids to be good adults. My my wife and I succeeded at those, so three out of four isn’t bad.

    • Dave @ Accidental FIRE says:

      Three outta four ain’t bad at all. And not being able to qualify for a Boston is nothing to hang your head about. That just means you’re in the vast majority of people.

  6. i could have never imagined what it was like growing up in one of those suburban households where a parental unit was telling me how great i was all the time. we were raised to be humble with the most basic dreams. the flip side is always having academic abilities and you knew you had them because the test scores came back top 1% or whatever. i don’t know where confidence comes from but i remember always having it in those abilities just because the numbers didn’t lie. in that way i feel like a slacker and underachiever if you looked at potential as an outsider.

    however, having done things mostly my own damned way for a lifetime is a win in my book. i think i dreamed of never taking any crap and that one came true. remember in “meatballs” when fink finally beat “the stomach” in the hot dog eating contest?

    • Dave @ Accidental FIRE says:

      Oh man, leave it to you to bring up Meatballs. Thats a blast from the past. Another drunken jock movie. I like what you say about having done it your own way. Que the Sinatra but hey it’s a great point, and I guess I could say that for myself too.

  7. Dreaming is an outlet for me that allows me to explore hypothetical scenarios, and if I like a dream, I chase it. It is saddening you didn’t have that as a kid, but from the sounds of it, you have found a way to motivate yourself and succeed nonetheless continually.

    Remembering not to take life too seriously and creating wild fantasies in one’s head brings back the joys of childhood, where anything is possible.

    • Dave @ Accidental FIRE says:

      Yes I did find a way to motivate and cultivate discipline, probably from fear of failure. And riding bikes continually gives me the joys of childhood 🙂

  8. veronica says:

    I grew up in a working class family with two parents that leaned on the conservative side. We didn’t have many luxuries and most things were second hand or homemade, but we had everything we needed in a very stable environment. And yet I, to this day, don’t dream (never mind dream big). Even worse, I am stumped by the question “What are your passions?”. There are things I enjoy doing, there are things that I do regularly but to say that I’m passionate about them……?? Nope.

    At a party one time a guest asked me what my goal in life was. Without hesitation I answered “to be happy”. They looked at me like I was the weirdest person on the planet, but it makes sense in the context that I was coming out of a 10 year period of depression. I’ve achieved that goal. I’m happy. I’ll let others dream and pursue passions. I’m taking a Zen Buddhist approach and being content with my happiness.

    • Dave @ Accidental FIRE says:

      Wow, thanks for the comment Veronica and sounds like we had similar backgrounds. Hell, there’s nothing wrong at all with the answer “to be happy”… I mean, isn’t that kind of universal?

      As for the “what is your passion” question, as the author Cal Newport says, that’s a bad question because it assumes the person has one. So many folks don’t really know if they have one, or they just haven’t found it yet. Thanks for stopping by!

  9. Joe says:

    Your goals change as you move through life. I wanted a stable job and a nice fat bank account when I was young. My parent struggled financially and it was not fun being poor. They worked minimum wage jobs then became self employed. It was hard. I didn’t want that.
    I finished college and worked a stable job for many years. Then, I see it wasn’t all it was cracked up to be. I have an independent spirit. The corporate yoke chafed me. I didn’t like it. My next dream was to become financial independence and self employed. So far, it’s been great. But you never know. Something might change in the future. Life isn’t static and your goals keep evolving.

    • Dave @ Accidental FIRE says:

      “The corporate yoke chafed me.” I love that line! You are independent and a ground breaker. You achieved your dreams and I say you should keep dreaming. Thanks for the great comment Joe!

  10. JMFS says:

    It means a lot to me to see other success journey’s for people from toxic childhoods. My child-self strategized making myself as small as possible in hopes that it would minimize abuse or something. I’m just waking up in my mid-40s to see that I kind of kept doing it my entire career; taking the jobs other people told me I should take, and more importantly, avoiding the career path I wanted whenever people told me I had unrealistic dreams. 10 years ago I received the best boss I ever had. He created an environment where anyone could thrive, and it was like someone took the governor off me and I gained so much in career and happiness. Then 5 years ago I received the worst boss I have ever had. He clawed back every creative and productive part of our culture and replaced it with goose-chasing authoritarianism. The bad boss triggered the trauma I had as a child and I am just now realizing that I just keep trying to make myself smaller for this person, but the best boss showed me how talented I really was and now I’m realizing I’m not a child and I can walk away and follow Plan A this time. In January 2022 I’m returning to school, in my mid-40s, to finish my Arts degree, maybe going on to MFA and teaching and just leaving the authoritarian cultures behind at every step. This pandemic, and the best boss, followed by the worst boss, has really shown me how precious life is and how I wasn’t living MY life for myself.

    • Dave @ Accidental FIRE says:

      Wow, thanks for the great comment, I’m glad my story connected with you. That’s what this is all about right? Sounds like we all need a person like your good boss in our lives, but the bad bosses are out there too. Congrats on navigating that and best of luck to you in the Arts degree and teaching!

  11. Mr. Fate says:

    I’m grateful you dreamed and achieved, Dave. I’ve always been a dreamer and achievement-oriented and, as a result, many came true with pursuit and hard work.

    I was talking to a friend recently and asked her, “What are your dreams? Why do you choose to wake up every morning?” There was silence. It hurt to see there were none. In my opinion, without dreams, there’s very little else in this life.

    • Dave @ Accidental FIRE says:

      Good for you dude, glad to hear there are life-long dreamers out there. I bet you achieved most of them too, thanks for stopping by!

  12. Great post, I’m definitely guilty of cruising through life. I usually don’t have regrets but sometimes I can’t help but wonder and wish I was a bit more ambitious or adventurous when it comes to some of life’s big choices.

    • Dave @ Accidental FIRE says:

      Me too, and I wish I took more risks. But those things are easy to say or think in hindsight of course.

  13. KY Looi says:

    The comment on “I really never had any dreams to follow.” really echoes with me. Wherever I read, people say that “you need a dream to be successful”, and that always makes me feel like a failure or that I will not go anywhere.

    But the truth is far from this. I am relatively successful in my career compared to my peers (not that I am proud of that, if not I wouldn’t hang around here). So there must be something more than dreams.

    However there is a change in recent best seller books that try to upturn this myth. Atomic Habits by James Clear is one of the most well-known. To summarize, a lot people think that this is the flow:
    Dream -> Do -> Get Better -> Success -> Dream higher -> Do -> …
    But this requires keep dreaming higher and the very definition of Rat Race that all of us want to avoid. We can change it to something else like goal or passion that refers to the same thing. Another variation is:
    Passion -> Do -> Get Better -> Success -> More Passion -> Do -> …
    But actually we can rearrange this to be:
    Do -> Get Better -> Success -> Passion -> Do -> …
    And you can get to great heights by repeating this without worrying about having passion or dream.

    I am now reading “Designing Your Life” by Bill Burnett and Dave Evans. They also didn’t use the word “dream” but “Passion” instead. They believe that people need time to develop a passion, and “passion comes after they try something, discover they like it, and develop mastery”. To put in my interpretation, how do you know your childhood dream of becoming a doctor is really a dream for you, if you have not even tried it? So many people get destroyed when they finally achieved it and realize that it was never what they wanted in the first place.

    So we really need to stop this myth about finding your dream or passion before you do anything. Just start doing anything that remotely pique your interest and if you get good at it you will find passion in it naturally. Dream? It is just a fancy way of saying “I think I want this”.

    Sorry for this long post but I really enjoyed pondering about these things. I have even gone to build a whole blog to document this whole journey of learning and thinking. Ironically, this whole journey started because I was worried that I didn’t have a dream or passion, so I set out to “find myself” and ended up with this learning itself becoming my passion. I guess it’s the same for most of the personal finance bloggers out there, where the journey started with trying to learn how to manage personal finance better and this becomes their passions.

    • Dave @ Accidental FIRE says:

      Wow what a comment! I tend to see dreaming about something in life and having a passion as two different but related things. But both of them get prescribed to folks as advice with the assumption that they have them. “Follow your dreams” “Follow your passion”. I think statements like that can have a real bad effect on people who don’t have those things or haven’t found them yet. Your story is great though – you didn’t have a passion then learning about the whole sociological process behind such things became your passion. Very cool!

  14. You never know! By not dreaming big, you quite literally have nothing to lose. However, when you dream big, you are more prone to disappointment if you don’t reach your goals and therefore could have gotten discouraged along the way.

    Either way, things turned out amazing for you and you are now in a position that people would chop off their left hand to be in.

    • Dave @ Accidental FIRE says:

      Great point David, and I might do a follow up post about just this thing. And I hope no one does any hand chopping, but yes I think I am 🙂

  15. Heck ya you did man … your own personal KOM
    Strava creating dreams one ride at a time lol

    • Dave @ Accidental FIRE says:

      Yes siree, I’m at least king of my own mountain and in the end that’s what counts!

  16. Noel says:

    Great job hitting that time. So far I’ve been able to hit the majority of my shortsighted adult dreams–maybe I’d call them goals: taking a gap year to travel in my 20’s, achieving a certain title at work in my 30’s. Next stop is hopefully FI in early 40’s to travel full time with my family. After reading your post, it feels like the older I got, the more I started to reign in my dreams from the wild childhood ones, you know, fighter pilot, baseball player, writer… to simple typical ones of what people were doing around me: house, kids, nice car and vacations. I think life blunts the edge of that dream sword over time not because we somehow become rational and mature, but because we fear failure. So we keep our dreams to ourselves where we can easily hide them and allow them to die in silence.

    • Dave @ Accidental FIRE says:

      So so true, and as I replied to another commenter, the fear of failure lurks in the shadows as a “dream preventer”. Thanks for the great comment!

  17. I liked this article. You already accomplished a lot and are still doing more.

  18. Soltist says:

    Pretty weird if I think of it myself, my way to escape the horrors of primary school was to let my mind drift. So, well, my mind was always set on a better future. I felt like I got dealt the worst hand when I compare myself with my brothers, the bullying and low expectations from others. Well, I somehow overcame that in a neighborhood which used to be filled with native Dutch of the blue collar class and nowadays filled with asylum seekers, rebellious kids, and whatever kinds of people which can’t afford too much rent.

    To me dreams were a kind of distraction from the bad things, imagining how things could get better. And boy, did they get much better after putting in all that hard work. Slowly but surely I get the things done I want to get done, finished my degree, got a fine job, got my fitness level in order, starting to get better and better with the bass guitar and music in general. Attractive girls are still a world of mystery to me though, source of prodding nowadays. (They scare me, damned damn. Mostly for the reason that I’m not sure where I want to live and whether I’d like to stay in this country anyway, relationships tend to stick you to a place on this watery balloon).

    • Dave @ Accidental FIRE says:

      That’s awesome that you were able to channel the negative into dreams and thoughts of a better future. I just wasn’t able to do that. As for attractive girls, the amount of advice I have is zero 🙂

Drop Me A Comment - What's On Your Mind?

Verified by MonsterInsights