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?