The Fallacy Of Preparing For Life

Would you take financial advice from a member of Pink Floyd?  Well, maybe not direct financial advice, but how about sage advice that directly affects how you think about money?

Recently I was watching a documentary about the Pink Floyd album Dark Side Of The Moon.  For my money, Dark Side might just be the best album ever in the rock genre.  Shots fired!

It came out in 1973, almost 50 years ago.  Yet It still sporadically appears on the Billboard top 200 charts!  The album has spent 962 weeks on the chart as of February 2022.  That’s a total of 18.5 years.  Insane. 

If for whatever reason you have never listened to this gem, do it.  There’s a reason a 49 year old record still makes it on the charts.  It’s that good. 

Preparing

 

Time

Tired of lying in the sunshine, staying home to watch the rainYou are young and life is long, and there is time to kill todayAnd then one day you find ten years have got behind youNo one told you when to run, you missed the starting gun
– from “Time” by Pink Floyd

The documentary I was watching is on Amazon Prime and called Pink Floyd – The Making Of The Dark Side Of The Moon (Classic Album) (<– affiliate link).  It’s currently free if you’re already a Prime subscriber but even if you’re not and you like the album you should watch it. 

At exactly 20:50 into the documentary Roger Waters was talking about the genesis of the song “Time”.  He said something that hit me like a ton of bricks and that resonated with my life story tremendously.

I certainly realized that year that life was already happening. I think it’s because my mother was so obsessed with education and the idea that childhood and adolescence and, well everything, is about preparing for a life that was going to start later. Then I suddenly realized that life wasn’t going to start later. You know it starts at a dot and it happens all the time, and at any point you can grasp the reigns and start guiding your own destiny. And that was a big revelation to me, I mean it came as quite a shock.

Life is now.  It’s already started.  Shit, it started a while ago if you can read and comprehend these words.  If you think you are still in “preparing for” mode, what the hell are you preparing for? 

Retirement?  What, when you get to 65?

The preparing part is your life.

Preparing

it keeps ticking….

 

Shorter Of Breath And One Day Closer To You Know What

And you run, and you run to catch up with the sun but it’s sinking
Racing around to come up behind you again
The sun is the same in a relative way but you’re older
Shorter of breath and one day closer to death
– from “Time” by Pink Floyd

In my drinking days when I was escaping life and my traumatic childhood I had the same feeling that Roger Waters described.  It was mostly a subconscious feeling, but it was there nonetheless. 

I had a sense that my current situation was just something I had to get through until I started being an adult and “doing” real life.  It’s fair to say I thought I was still preparing for real life, and pushing through turbulent waters that were thrust upon me through no fault of my own.

What I didn’t realize is that I was living my real life.  It had already started.  And besides being financially smart and successful in my job I was royally fucking it up everywhere else.

Preparing

 

Half A Page Of Scribbled Lines

Every year is getting shorter, never seem to find the time
Plans that either come to naught or half a page of scribbled lines
Hanging on in quiet desperation is the English way
The time is gone, the song is over, thought I’d something more to say
– from “Time” by Pink Floyd

Every year is still 365 days, but damn if they don’t seem to be getting shorter and shorter.  Nobody seems to be able to find the time for anything, their dreams, their passions, or their kids soccer game. 

Time. 

That elusive concept that we’re all pushing through, but that we can’t make more of.  You can prepare for retirement, but remember that the preparing years are still your life and you can’t get that time back.  Make those years great. 

Don’t suffer in a job you hate just to financially prepare for a future thing called retirement.  Life is now.

There is no preparing for life, there’s only life. 

Important Note – I realize Roger Waters is very politically active and is currently on a tour meant to encourage political activism which has garnered lots of media attention.  He has every right to do that but I don’t care about his politics and am a fan of him as an amazing musician.  That said, I will delete any overtly political comments.

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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.

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32 Responses

  1. Anthony says:

    Excellent post! I just said to myself, while eating breakfast, “if I can just get through this week…” thanks for the punch in the gut!

  2. Well done. Love this. Our culture is obsessed with achievement, and being forward-looking all the time is great for productivity. But it sucks if you want a sense of peace and happiness.

    I think it’s important to acknowledge that this is not an “either/or” problem, rather a “both/and” one. Most of us spend too much time worrying about and planning for the future. But our lives, communities, and society would crumble if we all suddenly spent all of our time purely living in the moment. So the challenge, at least as I see it, is to find the right ratio – both/and.

    Great reflective post. I never really gave Pink Floyd a good listen. Perhaps at 46 years old I’m finally ready to really hear it.

    • Dave @ Accidental FIRE says:

      I like the both/and thing. There’s a goldilocks zone to this like everything else. And yes, you need to check out Pink Floyd!

  3. You just highlighted my favorite song on my favorite album of all time. The song was flowing through my head as I read the lyrics in your post, and I love the commentary you’ve added on the philosophy captured so brilliantly in that song. I’m with you, I don’t agree with PF’s political activism, but they certainly made amazing music. I can only imagine how many times in my life I’ve listed to that album…great taste, my friend.

    • Dave @ Accidental FIRE says:

      Smart folks have good music taste. “Time” is probably my favorite song on the album as well along with “Us And Them”. Both give me chills

  4. Jim says:

    Great ‘reminder’ post Dave, the future is now, we must live in the present, because the present is a present. Anyway, I’ve never seen this documentary, but I grew up listening to Pink Floyd so I’m thinking I need to check it out. Thanks for the suggestion!

    • Dave @ Accidental FIRE says:

      It’s a really well done ducu with interviews of the actual band, and as you can see by the ratings most people loved it

  5. Pete says:

    As someone who did listen to a fair amount of The Alan Parsons Project, it’s kind of weird I never listened to this album. Thanks for the post. Listening now.
    Oh yes, life is now. I’m fine with an eye on the future but otherwise I’m here.

    • Dave @ Accidental FIRE says:

      “Eye in the sky” by Alan Parsons Project is one of my favorite songs from the classic rock era and I learned it on guitar not too long ago. If you like them I think you’ll like most of the 70’s era Floyd!

  6. Lambo says:

    100% agree! On your interpretations and this being one of the GOAT albums. Had to pull up the PF Reunion Video of this tune on YT…and others…. I often say on the podcast, “Life happens on the Yellow Brick Road, not Emerald City!”
    Clearly there is a balance between carpe diem and planning for the future, but every day is an opportunity for joy in work or play or planning.
    Thanks for the great post and insight Dave!

  7. dcrefugee says:

    Dave, thank you. Echo others.. can never be reminded enough. Memento Mori.

    https://dailystoic.com/history-of-memento-mori/

  8. i did a lot wrong with my finances over the years but i got a few things right with living life. i remember having my first stable job where i could have stayed 20+ years and a relationship that was about the same. after observing some older coworkers who did the long stint i took a good hard look at myself in their “stable shoes” and got the hell out of there. that’s when i went to new orleans for a couple of years because “if not now, then when?” best decision of my life.

    • Dave @ Accidental FIRE says:

      “Stable shoes”… I like that term. There’s some good to those but also a lotta bad. And New Orleans probably misses you 🙂

  9. Mike says:

    Funny, I was in an elevator with Nick Mason last week (random encounter), he seemed like a nice guy. I definitely need to focus more on living now, great article.

    • Dave @ Accidental FIRE says:

      Holy crap – that’s awesome! I’ve never had a major musical celebrity encounter like that. I did wait in line behind the hair metal band Kix in the security line at BWI airport once. But Kix doesn’t compare to Nick Mason!

  10. JOE says:

    My buddies and I listened to Dark Side of the Moon all the time in college. I still have the CD, but I haven’t listened to it in years. The music brings down the mood too much for me. These days, I like listening to happy music.
    Yeap, you have to live life now. Enjoy life while you’re saving for retirement.

    • Dave @ Accidental FIRE says:

      I hear ya Joe, to me music is all about mood. When I’m in a happy mood I listen to happy music, when I’m contemplative I listen to deeper thoughtful stuff. But in life I can’t be happy all the time – happy wouldn’t be as happy if there were not “Dark Side of the Moon” times interspersed. Just like Spring wouldn’t be as special without Winter 🙂

  11. Good point, and I am constantly trying to remind myself of this. I’d say I’m at about 50% at not sucking at this on a good day.
    Moderately related: One of the many small things that led to me leaving the job was hearing the lyrics to Wish You Were Here of
    “Did you exchange
    A walk-on part in the war
    For a lead role in a cage?”
    I’d listened to that song hundreds of times, but one night at the end of my shift those lyrics struck. I realized that’s exactly what I’d done-gone from a fun operational role to a vaunted but soul sucking leadership role. I know that’s not what the song is about, but hearing that was another straw that eventually led me to get the hell out.

    Party on Dave.

    • Dave @ Accidental FIRE says:

      Oh man, I feel SEEN! I too found myself in the prison of a soul-sucking managerial job but it was a transition that happened over years. Like slowly sinking into quicksand. Next thing ya know you’re like “This sucks get me outta here!” Great comment and great excuse to listen to Wish You Were Here!

  12. I think to myself all the time how much life seemed to be slower in the 2000’s, and how friends had more time and mental energy to spend together. Too bad social media and the pressure for side hustles ruined a lot of that. So many friends I talk to are drained at the end of the day or week to be social, yet then they sit in rut feeling isolated.

    • Dave @ Accidental FIRE says:

      So true, and I enjoyed life more when it was slower. I’ve actually been trying to watch baseball more this year as it’s a slow and methodical game, and I used to love it as a kid. It’s been falling out of favor with America over the years as life has been speeding up. As for social media, it’s toxic, plain and simple.

  13. Middle class says:

    I thought of Pink Floyd as dinosaur rock and never gave them a chance until my 40s. Now they are one of my favorite bands! Time is a great, profound song. I love DSOTM. Although I was too young to catch them live, I did see David Gilmore performing in London. An amazing experience that I will never forget.

    • Dave @ Accidental FIRE says:

      Haha, “dinosaur rock” is better than most shit nowadays. I know I sound like an old guy when I say that the old shit is the best shit, but damn if it ain’t true. I doubt Justin Bieber and the Weekend’s current records will still be hitting the charts and selling millions 45 years from now. There’s a reason the Beatles, Queen, and Floyd sell better than most modern bands – it’s better music, plain and simple. I saw Floyd in 1990 or so and it was amazing!

  14. C says:

    Time is my favorite Pink Floyd song and I really like the album. For me though Joshua Tree by U2 gives it a run for the money. Obviously very different mood!

    • Dave @ Accidental FIRE says:

      Love both albums and agree that Joshua Tree is one of the best ever. My first ever concert was U2 on the Joshua Tree tour, summer of 1987. I’ll never forget it!

  15. I never listened to Pink Floyd as a kid. Now my eyes have been opened and I am going to add Time to my Piano bar play list. I’m also goin to add this article to Monday’s Fawcett’s Favorites. Thanks.
    Dr. Cory S. Fawcett
    Financial Success MD

    • Dave @ Accidental FIRE says:

      Welcome to the Pink Floyd fan club Cory, I think you’ll like their other classics like Meddle, The Wall, and Wish You Were here. And thanks in advance for any features of my post!

  16. Nina says:

    I enjoyed reading your essay, partly because I am Pink Floyd fan too, but also rings true.

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