I usually have the opposite problem, where I *enjoy* thinking and reading about this stuff and end up with plans far outstripping the funds I have with which to enact them. It sucks to have $300,000 of plans and only $10,000 of money: the gap between the world as it is and the world as it should be is vast.
On the bright side, at least that means I have a good sense of what I'd do with a windfall to best improve my household's resiliency for the future, rather than getting blindsided by it and ending up wasting it (as is apparently a common problem among people accustomed to living-paycheque-to-paycheque!poverty). My plans progress at whatever speed I can afford: if I get more money dumped on me, it simply hastens what was already in progress.
no subject
On the bright side, at least that means I have a good sense of what I'd do with a windfall to best improve my household's resiliency for the future, rather than getting blindsided by it and ending up wasting it (as is apparently a common problem among people accustomed to living-paycheque-to-paycheque!poverty). My plans progress at whatever speed I can afford: if I get more money dumped on me, it simply hastens what was already in progress.