What Would You Do With A Million Dollars?


It’s not about the money. It’s never been about the money. This is why.

If you’ve been with us since the beginning, you’ve already read 99 posts from us about frugality, optimizing our career lives, setting up side hustles, losing 10+ pounds effortlessly, house hacking, and how to set ourselves up for retirement. It’s been over two years, and I’d like to thank you all for accompanying me on this crazy ride towards being the healthiest and wealthiest humans we can possibly be. This post is our 100th post on Unconbentional, so for once, let’s dream a bit and remember why we’re doing what we’re doing. There’s a point to all of this, so stick around for some not-quite-obvious advice. If you want to live like a millionaire now, this is how.

We’ve all thought about it. With unlimited money, how would our lives be different? Almost a year ago, I challenged you to define your ideal day and — spoiler alert! — pursue exactly those goals and pastimes for the rest of your life. Some of us realized that happiness was within our grasp all along. Some of us realized we weren’t quite there yet, but that was okay too. What I discovered was I needed to set aside my “When I reach ________, then I’ll be able to ________!” mentality. Heck, I didn’t even wait until I had $500,000 in the bank to pull off a mini-retirement, and I learned a lot from it! I still have ambitious dreams though, and I’d like to share them with you now. Here’s a quick rundown of why I want to be a millionaire.


My main hobby now is cooking. If I were a millionaire, I could cook every day for my friends. Heck, I might even pay someone to do my cleanup! (I wouldn’t though, because I know there’s value in doing what you hate.) Every night, I could roll out something ambitious and crazy like stuffed pig’s trotters or rigatoni con la pajata, and I could be creative and well-fed all the time, surrounded by friends at the dinner table. That’s Dream #1 and every day, I get closer. Sure, I might still be on French onion soup, but we all start somewhere.

Dream #2 is helping my friend “D” start a brewery. I’m more a drinker than a brewer, so I’d mostly look to finance it instead of actually working there. He’s been a loyal friend for over a decade, and if I were a millionaire, my dream would be to make his dream come true. For me, friends > money, every time.

Meanwhile, unrelated to food and drink, I’ve got a whole pack of friends who love cars, fixing them up, and drifting like maniacs. Basically, if a car’s going forwards or backwards, it’s boring. Driving sideways is their jam. (I think they’ve just seen too many Ken Block videos.) Dream #3 is going in with them to buy a cheap piece of land in the boonies, and owning just enough to put in a bit of dirt track. Those car nuts can go sideways forfuckingever. Again, happy friends make me happy.

The fourth and final dream is a pretty common one: World travel. I’d love to see Mexico, Spain, Argentina, and Australia. A loose goal I set myself is seeing 20 foreign countries by end-of-life. Dream #4 will be a lifelong pursuit, and I wouldn’t have it any other way.

That’s why I want $1M.


The money doesn’t actually matter though. It’s just a tool to buy the dreams you really want. $1M in the bank doesn’t do anything except generate some profit from investments. Done properly, you can Retire For Good this way, but if you’re a loyal Unconbentional reader, you might realize full-on retirement might not be the world’s greatest goal either. Instead, for once, I urge you not to think about your dollars too much.

Instead of using only money as a metric of success, I’ve started quantifying the completion progress on my dreams. Since I’m an efficiency kook, I started looking for ways to increase my progress with as little money as possible. I quickly realized “When I reach ________, then I’ll be able to ________!” was just an excuse to delay working on goals. Supremely motivated people like you or I know we can start whenever. Here are examples.


Dream #1 (40%)I cook once a week already, and I’ve gone up to four large meals in a week before. That week almost became a problem! With both my roommates working all the time, they can’t commit to at-home dinners seven days a week anyway. The last beef bourguignon I made even led to some food waste because we ate through it slower than we thought we would. Can you imagine if I cooked every day? I think I just need more friends to feed!

Dream #2 (10%) — Not much I can do about this one yet. I need to take care of my own money before I drop tens of thousands on a brewery. However, “D” became the assistant brewer at a 2,500-square-foot brewery recently, so maybe I can just visit him and strut around pretending I own the place.

Dream #3 (0%) — I mean, I’m researching lots to buy, but this ain’t happening soon.

Dream #4 (50%) — With a little advance planning, I can almost always leave on a weeklong trip. With contacts in Mexico and Australia, my vacations there could be cheaper than I thought. I’ve also already visited 10 countries; France, Italy, Belgium, Netherlands, Greece, Denmark, UK, US, China, and Japan! Getting to 20 in this lifetime should be a cinch!


I’m not saving to reach $1M. Not really. I’m actually saving to max out on my dreams. Here’s the thing: Without even spending all that much, you can work on your dreams every day. That’s what I want you to know. No more “when ________, then ________”! You’re not saving money; it’s more like dream fuel. The best part is real dreams are rarely tied to money. If your dream is to own a house someday, you might think you need $3M — (I live by Vancouver, okay?) — but with a little digging, you could also find a €19,000 property in Sicily! Money’s not the goal because your dreams are! Sometimes, a little bit of knowledge or even reading a blog post can fulfill an entire goal for you!

Gary Vaynerchuk once said, “People are chasing cash, not happiness. When you chase money, you’re going to lose. You’re just going to. Even if you get the money, you’re not going to be happy.”

This might be a personal finance blog, but it’s not about the cash. It never was. Find out why you do the grind. Work on your dreams now, every day. Look beyond the bank account, and remember why you want those numbers healthily high. Imagine what you’d do with a million dollars, and start doing that thing now.

It turns out I just want to cook for my friends. What dreams are you delaying for no reason?


Accept No Substitutes

Master your wants and you_ll be left with more of what you need.

“Oh, fuck. I really want octopus ceviche.”

Normally, I’d never crave restaurant food like this, but I didn’t have as much free time anymore. It was a rare “day off” from the day job, and dangerously, I was looking to treat myself. As an amateur foodie, this ticked all the boxes. It was a restaurant I’d never been to before, I’d probably learn what it took to make octopus ceviche at home, and it’d give me a break from my home office. Win-win, right? Heck, I might even be able to write a blog post there! I checked the price online. It was $10. Damn. (I’d recently adopted a rule that any purchase over $10 should be reexamined for alternatives.) The drink I was eyeing too — Boulevard’s “kentucky cold toddy” — would set me back another $7 plus tax and tip. Together, I was looking at blowing over $20 on a whim. That might have been fine for Old Ben, but not anymore. I decided to find a substitute.

Even though I was craving octopus ceviche hard, I knew the responsible thing to do was save money. Instead, I settled on a happy hour in the same neighbourhood where a beer was only $4.75. I’m drinking it now as I write this. Here’s the weird thing: My initial, super strong craving for octopus ceviche is now… gone? It’s almost as though any food or drink in front of me was enough. I didn’t need $20 in seafood and bougie cocktails; a $5 beer was extravagant enough.

You’ve probably seen that nutrition meme that says, “If you’re not hungry enough to eat an apple, you’re not really hungry. You’re just bored.” I kinda believe that. I used to be terrible with splurging on food. If I wanted sushi, I’d just get it — no matter how much it was. Now, even though I still get those cravings, I’m far better at finding the affordable alternative. The $5 Subway 6” tuna was often just as satisfying as the $15 chirashi don! I challenge you to master your cravings. You’ll save money doing it, and reach a mystical level of financial zen. By becoming okay with getting not-exactly-what-you-want, you’ll be able to save for the big goals. Your cravings can basically always be satisfied with something that costs less!

Master your wants and you’ll be left with more of what you need. I know my $20 cravings can disappear with a $5 substitute. Do you?

You Work For Yourself, or How To Fire Your Boss


Depending on who you talk to, I’m either a half-retired entrepreneur or a lowly wage slave. You can read about my five sources of income and decide for yourself. Whatever you think of me though — and whether or not you think of yourself as an entrepreneur — doesn’t matter today. All you need to know is, starting today, you work for YOU. You no longer answer to a boss or clients you don’t want to. You’re now in charge of everything. Your only goal now is building the career life you’ve always wanted. Here’s how.


I get it: It’s easy to feel trapped by a job. Remember “K”? He’s now welding long hours with a nasty 1-hour commute every day. Even at one of my workplaces, management changes are happening, and it hasn’t exactly been sunshine and rainbows. I started looking at other opportunities for the both of us. In just minutes on Craigslist, I’d found backup options. I found “K” a welding opportunity in the same city, and it had the potential to reduce his commute time by 75%! I found a job almost identical to mine on the other side of town where there’s considerably less traffic, potentially saving me time and gas! In the end, we decided to stay at our current jobs, but feeling trapped was no longer an issue. We weren’t, and we came to realize we were never really trapped in the first place. There were always options, mere minutes away and at our fingertips. I don’t know about you, but to me, that sounds like I can “fire” any job I don’t like and “hire” any job I want. If that doesn’t sound freeing or realistic to you, here’s a practical way you can get closer to making this a reality.

Losing income between jobs is a real problem. This is why virtually every personal finance writer suggests creating an emergency fund. A simple three months of income stocked away is all you need to become a boss. It automatically increases your “hiring” and “firing” abilities, and gives you more time to find the work situation you really want. You’re no longer taking the first thing that comes along so you can put KD on the table. You have the freedom to flip through job descriptions — I think of them as résumés — and “hire” what’s right for you! Build an emergency fund that covers three months of income. If you feel like you can’t climb the job ladder, there’s your first rung.

Pull this off properly and your whole worldview might change. You might realize your “boss” isn’t really the boss of you at all. They’re just a coworker. The tasks in front of you aren’t mandatory. It’s a gig you’re doing, and you get to choose if it’s worth it. Feel stuck? You’re not. You have THE ENTIRE GODDAMN INTERNET to help you find a new job to hire. Don’t like your job? FIRE IT.

I’ve always told freelancers they should make every job decision based on passion, profit, and prestige. Whatever you’re doing, do it for at least two. Start thinking of yourself as a freelancer, and think of your bank account as your business. Job hopping is the new normal anyway, so in a way, we’re all freelancers.

The truth is you’ve been your own boss all along. Are you ready to work for yourself?

Pride Was Making Me Poor

my pride cost me

When people ask me what I do for a living, I don’t even hesitate. “I’m a wedding photographer,” I tell them. “I’ve been doing it for 10 years!” Lately, the next question has been weirder: “So you do it full-time?”

That’s usually where my brain stalls.


The truth is, no, I don’t do it full-time. I haven’t done it full-time since 2015, but how do I explain to people I was only shooting “30 days a year” and making ends meet, but decided to take on “three days a week” working at a liquor store too? A quick bit of napkin math then reveals an unglamorous truth: I actually work as a liquor store clerk 5x more than I do as a photographer! Though being solely a wedding photographer was enough for me to get by, I realized that a boost in income from working a regular job too allowed me to save more, attack my debt, and get out of the house more. By the numbers alone though, I’m more a liquor store clerk than I am a photographer! WHY WAS I LYING TO PEOPLE?

Well, there are two answers to that: 1) It’s a matter of marketability. In order to get more wedding bookings, I needed to present myself as a wedding photographer first. Presenting myself as a liquor store clerk isn’t gonna get me more liquor store bookings, ya dig? 2) I had a lot of pride associated with being a wedding photographer. Entrepreneurship was sexy, wage labour was not.

I was actually turning down shifts because in my mind, I was a wedding photographer first. It wasn’t until I decided to help my coworkers out during the holidays that I realized how much I was saying no to. In 2017, because there were times I’d rather be sitting at home just content with being a wedding photographer, one of my lowest liquor store paycheques was $389.14 for two weeks. My most recent paystub just arrived: If I pushed my limits a bit, two weeks could net me $1,048.01! My pride cost me over $1,300 a month.

Someone coined a word for this a while back: “egotrage”, what Mr. Groovy calls “The strategy of advancing your financial position by doing something that is ‘beneath’ your socioeconomic status.” In that article, he talks about how his ego kept him from attaining wealth at an early age. “A man of my stature–I did have an illustrious journalism degree from Long Island University, after all–didn’t wash cars.” (Sound like anyone you know?)

I’ll just admit it: I was afraid. I was afraid that working 40 hours a week doing wage labour would somehow negate everything I’d built as an entrepreneur. In reality, I’m adding to it. The extra income will allow me to buy that Profoto A1 with less financial strain on my business. My seniority at the store will allow me to increase my flexibility with time off, letting me take on new photo opportunities. Simply getting out of the house will improve my mental health and allow me to form new connections with people. It was all an obvious win, but my pride was holding me back! Well, it’s time to let that go. From now on, I’m no longer allowing “wedding photographer” to be my defining attribute to the detriment of everything else.

On the other hand, I have no idea how to introduce myself at parties now. Thoughts?


“So, what do you do for a living?”

“Uh, I’ve got, like, five jobs. Can we please talk about something else?”

If You Treasure It, Measure It

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The beginning of a new year is always an exciting time for me, but it’s not partying and blackout drinking I’m looking forward to. I already know exactly where I’m gonna be when midnight strikes, and it won’t be anywhere near a club. I’ll be at home – and I’m stoked about that – standing on my Fitbit scale while I make a full photo backup of everything pre-2018. Earlier in the day, I’ll have mathed out my debt reduction targets, and set goals for my index funds and bathroom renovations. It’s almost like having New Year’s resolutions, but everything’s trackable instead of a vague “I should go to the gym more.” In a way, I’m approaching this like an entrepreneur more. Every good business should have targets, goals, and quotas. Doing the same for personal goals only makes sense.

With renovations on the horizon, attacking my debt isn’t happening as quickly as I’d like this year, so I’m setting a realistic target of $1,000/month. I expect the bathroom renovations to earn me money in the future though, so it’s not “lost money”. It’s an investment towards future rent income. For my health, I’ve already hit my weight goal, but I’d like to bring my body fat percentage (BF%) down to 24. Right now, I’m sitting at 24.2 — down from January’s BF% of 27.8 — so I’m already almost there! 2017 was pretty good to me! It wouldn’t have happened if I hadn’t decided to measure EVERYTHING.

You can go as nuts with this as you’d like. I love this Debts To Riches post about gamifying your goals. Strangely, as I’ve stopped playing video games, I’ve identified what made them so appealing to me. They gave me trackable feedback that I was making progress towards an achievement! That’s the only thing that made them addictive as fuck! Now, realizing I wanted REAL WORLD ACHIEVEMENTS instead of just another PlayStation trophy helped me hang up my controllers for good. The only RPG I play now is as Ben, hoping to achieve even half the greatness of The Other Ben.

If you value something, measure it. This applies to personal relationships as well. Want to spend more time with your kid? Literally track your time for a month or two, and figure out if you can do more. You might find raising your kid is passing you by faster than you’d like. Want to improve your mental health and reduce your stress levels? Track it. Here’s a page full of ideas. Want to read more? At the end of every reading session, track how many pages you’ve read. It’s intensely motivating when you get near a major milestone. Imagine you’re at 47,000 pages in December. You’re gonna want 50,000!

This is easiest to do with money for obvious reasons. It’s the start of a new year, and there’s no better time to start than now. Figure out where you want to make the most improvements, and come up with a way to track it all. Do it NOW. On January 1, you’ll be entering the new year with a clear idea of what you want. What gets measured gets treasured.

Here’s to you kicking ass in 2018, and see you in the new year!


For 2018, we’re going down to two posts a month. For now, I’m focussing on paid writing work, and looking to make our blogging schedule more flexible to take on new opportunities.

Stay up to date about us on Twitter!

My Five Streams of Income

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According to this, “65% of self-made millionaires had three streams of income” and “29% of self-made millionaires had five or more”. Meanwhile, this article starts breaking down “7 different income streams”, but some of their recommendations are things most of us should be doing anyway, like investing. Other ones are downright odd. Do you consider your spouse’s salary as a stream of your income? I don’t. I don’t think you should either.

For this article, I’m laying out the five streams of income I actually count. If you count my index funds or the fact I’m technically a SOCAN-recognized composer who’s only earned pennies in royalties, I have more. I’m mainly counting my side hustles that actually put money in the bank though. This is how I make my money.

My main gig is I’m a wedding photographer. My smallest package is $990 (two hours) and my largest package is $4,995 (twelve hours). My secondary gig is as a liquor store clerk, making a paltry $13.50/hour. I could choose a more lucrative job, but this is pure fun for me. I could spend all day talking about wine, and I’d actually be less happy making $20/hour doing something I didn’t care about. My third gig is as a landlord. In March, I’ll be looking after two renters/roommates, and you should know this is actually more work than I thought. For now, any rent money I make is going back into renovating the property. Both bathrooms need to be redone, but this is an investment for the future. A beautiful bathroom will enable me to charge more for rent once my friends move on. My fourth gig is I write for pay now, and make $0.15/word on assignments. This is currently super fun for me! I can do this anywhere I want, and if I had an idle gig where I’m just needed as a warm body — think security guard or exam invigilator — I could be earning twice the pay for the same hours! In just one week of November, I was able to bill a startup $225 for three short blog posts. I’m looking at developing this as one of my main sources of income in the next few months. My last gig is a questionable one, but it technically counts as investing. This one deserves its own paragraph.

Early in November, I started dabbling with cryptocurrency. I now own small slices of Bitcoin, Ethereum, Litecoin, and IOTA. In just six weeks of casual trading, I’ve put in $800 and I’m somehow $500 ahead. Before you drop everything and throw your life savings into Bitcoin though, you need to understand the technology and the risks. This is why I consider my cryptocurrency investing a “gig”. I read this and this in the past month, and I stay up-to-date on trends. It’s a job. I don’t advise you getting into cryptocurrency blindly. Everyone thinks they can time the market, and people have lost their life savings believing that. I’m fully aware I could lose my entire investment at any time. If you try this, proceed with extreme caution. I know friends of friends who have lost $10,000. Know the risks. This, as a hobby, is my fifth and final gig.

You’ve heard of “fuck you money” (FU$), but I love the idea of my multiple “fuck you jobs”. Liquor store lays me off? That’s fine. I can replace a whole month of clerk income with a single wedding shoot. Roommates moving out? A little extra writing, and I’ll still make my strata payments on time. When new roommates move in, rent will actually go up because of the shiny bathrooms! If I lose my entire crypto investment? My index funds are still making profit, and I’m sure I can come up with something to make up the loss, like renting out my camera gear. I truly believe YOU CAN ALWAYS MAKE A BUCK. With full-time employment becoming less and less stable, diversifying your streams of income is just as important as diversifying your investments. It’s just the smart thing to do!

Remember: “65% of self-made millionaires had three streams of income”.

How’d you like to be part of that statistic?

Losing Weight Is Saving Me Money

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A year ago, I went toe-to-toe with our artist friend “A” on food spending. I did not do well. Where I spent “$1,340.83 [in] November on comestibles – $902.33 on food, $438.50 on alcohol”, “A” spent “only $360/month”. I’m still not nearly as badass as her. I’m still not vegan, and I still spend most of my money on what I eat and drink. Here’s a quick breakdown of October 2017.

I ate out a stupid amount. After wrapping up my cooking-at-home experiment, I thought I should treat myself. Obviously, this was a bad move. I even paid for some friends’ meals, and ended up with a food total of $760.17. I was fucking stupid. It wasn’t even luxury food! I toned down on booze though — thanks to this, this, and this — and ended up with an alcohol total of only $311.90. (To see how far I’ve come, check out January 2016’s total of “$1,120.27”!) Total food and drink cost for October 2017? $1,072.07. This, I consider my most recent baseline. I was eating and drinking as much as I wanted, and no diet or even a modicum of restraint was applied here.

In November, I knew I wanted to make a change. I wanted to be the best 30-year-old I could be, and that meant getting down to 163 pounds. Intermittent fasting and other dietary measures made a reappearance, so my sushi lunches and Subway sandwiches got swapped out for frozen chicken, conveniently-packaged-yet-still-affordable spinach and kale, and boatloads of beans. Alcohol crept up (and so did the discovery of an amazingly expensive izakaya) but I managed to only blow $531.84 on food, or $17.73/day. Alcohol came in at $401.50, or $13.38/day. Total for both: $933.34.

These numbers weren’t the extreme improvement I was expecting, but saving $138.73/month with better health is still a victory! I successfully hit my weight goal, and virtually every meal I eat now involves half a plate of greens. Also, we’re currently 11 days into December, and I’m watching my food expenses like a hawk. Though I expect our Christmas dinner to break the bank, I’m only at $85.78, or $7.79/day for food. That’s the way it should be. Only improvements from here on out!

As a final note, I realized beef was killing my budget. A particularly ambitious brisket set me back $50.06 at one point, and though it was good for multiple meals, it’s hard to justify when 3kg of frozen chicken also good for multiple meals was only $10. Also weird: I don’t miss beef! Maybe I’m doing it wrong, but a steak hasn’t wowed me in years. Smoked beef ribs will always hold a special place in my heart, but I don’t intend to buy a $3,999 smoker ever. It’s also worth noting “beef requires 28 times more land, six times more fertilizer and 11 times more water” than pork, chicken, dairy or eggs, and that drain on resources is reflected in the price. Even if environmental reasons don’t convince you, the price should. 1kg of prime rib is $30.66. 1kg of chicken is $7.41.

In short, being mindful about what I eat actually saves me money! My health, the environment, and my wallet all benefit. At this point, it’s only logical to eat less, eat more greens, eat less beef, and bank the savings. My $138.73/month in savings is $1,664.76/year. If I keep this up until I’m 65, that’s almost $60,000! An extra sixty-grand to live longer and make the world a better place? That’s a sacrifice I’m willing to make.

Got beef? Let’s take it to Facebook.