“The concept of ‘spending’ is problematic. When we are functioning with intention and wisdom, the only thing we really do with money is invest. There are small investments, and big investments. There are good investments and bad investments…The ROI we get for some investments is a product or service - the groceries in exchange for money, or the the car wash in exchange for money. And the ROI we get for other investments may be additional money in the form of interest or dividends, while the ROI in other cases is just a sense of fulfillment after maybe giving to charity or buying a gift for your spouse, or paying for your kids tuition, or creating art.

When we look at it from this perspective, we get rid of the expectation that sending money out is a loss, and we replace it with an expectation that sending money out will always result in an ROI of some kind. Everything is an investment when we act with intention and wisdom.”