Life Happens – You Determine If It’s Going To Be Sh*t or Sashimi


A little wake up call

Buddha proclaimed that “All life is suffering.” Now in today’s vernacular it is more than likely he’d say something along the lines of “Sh*t happens!”.  With deep love and respect for Lord Buddha I disagree!Life happens – it is us who turns it into SH*T or Sashimi. “ tweetableLife loves a laugh! The problem is we usually don’t set ourselves up to be in the best place to laugh with life which can make life’s unexpected events pretty dire and turn to Sh*t!

Two weeks ago I was walking in Sedona, Arizona after a magnificent snow storm and admiring the deserts beauty with a layer of white snow all over her and I came across this sign, and thought about you and the importance of planning for “Life’s To Be Expected Unexpected Events”. So I shot you this video on why your most important very first Wealthy Life Step is to create an emergency fund, so that when (not if) life throws you a surprise, you aren’t taken into financial stress.

Wealthy Life Step 1
Create and Emergency Fund equivalent to US$1000 in cash.

But the fun doesn’t end there. Leaving beautiful Sedona I then traveled across to Europe for a few days in London and Paris (yes I know my life is tough) and then on to the French Alps for some seriously fun skiing with friends. This was pure play time and I had been looking forward to this for ages – being back in the snow, feeling the adrenaline rush through my body as I careered down the slope getting my ski legs again, being physical all day  and sleeping like an exhausted log all night and having no qualms about drinking copious amounts of hot chocolate with mountains of fake cream!

It all started so well, a huge snow dump set the scene for a glorious week and I was feeling strong and really good on my skies despite not having skied for three years – that is until I got wiped out by none other than my husband and my weeks skiing ended rapidly with a broken arm!


While I was sitting in the medical centre to get myself plastered up, I watched the other ski accident recipients around me. I caught the eye of a French chap who seemed to have exactly the same arm injury as me and we developed a shared drama camaraderie, and a canister of freeze spray to keep the pain down until we could be strapped up.   I then noticed one man who seemed to be fretting terribly and eventually he went to the main counter and explained he did not have the money to pay for his treatment, and please could they give him the bare minimum treatment to enable him to go and borrow money for the rest. In that moment an experience has been turned from a “Life Happens” to a “Sh*t Happens” event in a nano second due to the lack of an emergency fund.

Not having quite the ski holiday I expected and thanks to the wonder of life I got so much more. In addition to not having to fret about any of the medical costs thanks to always having a cash emergency fund available I am reminded there is a second key element to ensuring “Life Happens” events don’t turn to “Sh*t Happens” dramas.

“Let go of the attachment to how thing are meant to turn out in order for you to be happy!”

As humans it is so easy for us to get hooked to the story, the movie we have made up in our head about how every step of our life needs to happen and “should” happen to enable us to live truly wealthy joyous lives. Then when something happens which changes the movie we get hooked to that drama and create all sorts of judgement and meaning to it.


Everything is energy. Wayne Dyer puts it bluntly. He says, A lot of people do personal work on their shit.” These kinds of people walk down the street and see a lump of it. What do they do? Not only do they step in it, but also have to kick it around, stick their noses in it, smell it, be in it and call everyone else they can over to see and smell it too.

Why not notice it and just walk around it, or go get a shovel and try to clean it up as best as you can? Do you have to clean up every piece of crap in your life in order to be happy?

So many people say, “Once I sort out this issue or problem, then I’m going to be happy.” “Once this and that and the next thing is over then I’ll feel joyful.”

Here’s a big Wealth Chef wakeup – If you think like that, you’re never going to experience the wealthy life you desire.

If your relationship is going great, there will be some issues in your business or with your health. Maybe someone’s suing you or you’ve broken your arm or both LOL! Then that gets resolved and your relationship gets messed up or your car breaks down or your home gets flooded or you get a call saying your best friend has just been diagnosed with a fatal illness.

Wealthy Life Tip:
Let go of the the need for everything in your life to be going well in order for you to be happy. 

Here’s what you do to really let this lesson sink in:

  1. Commit to creating and maintaining your emergency fund
  2. Be Grateful. Make a list of TEN things that are great about your life right now. If you can’t think of 10, then you’re focusing too much on the pile of crap in the road. Maybe you’re not living in your dream home. But if you have a roof over your head, guess what? Millions of homeless and displaced people don’t have that. Maybe you hate your job, but there are millions who are desperate for the opportunity to work and have almost no hope of ever experiencing employment. Maybe some aspect of your health isn’t great, but today you got to wake up above the ground and breath in. Today millions of people won’t take that breath.
  3. Define what a wealthy life is for you. What does success and living a wealthy life really mean to you? Think about this. If success means, “ …when I have $1 million in my bank account,” how are you going to feel until then? If allowing yourself to feel wealthy and joy depends on “…when my significant other no longer works so hard” or “…when I find an intimate relationship that blows my skirt up,” what does that say about how you should feel about yourself if it’s not happening now? Remember, if you’re waiting for some “big” thing to happen in order to live the juiciest, wealthiest version of your life, that’s a dog chasing its tail and the recipe for a lifetime of regret and sadness. No one can tell you how to define success and what your wealthy life looks like but I do know, when you let it be easy, it is. Set yourself easy to achieve wealthy life goals like – “Tomorrow, I will play with my kid / dog/ cat / goldfish from 8:00 to 8:30 and nothing will stop me.”

Once you’ve had a chance to watch the video and consider these WEALTHY LIFE TIPS, I’d love to hear from you.

If you already have an emergency fund, how does having it there make you feel and has it saved you from terming on the edge already?

What are two or three of the things you are grateful for right now?

Remember to share as much detail as possible as thousands of Wealth Chef’s in the making come here each week for juicy wealth snacks, insight and inspiration as they create their juicy financially free lives too.

Your ideas and shares may trigger someone to have a big breakthrough.

Thanks as always for reading, watching and sharing so generously and for choosing to master this key ingredient money and live your un-limited wealthy life.

With huge love



Your email address will not be published.


  • Pearl Howie says:

    I must admit this month I am focusing on my relationship with money and chewing over a lot of your ideas and videos (and others). As a self-employed person I stress a lot about how much money is coming in and setting “buffers” which is not quite the same thing as an emergency fund, but I injured my back last week and it was a great moment as I was thinking “Ulp, what if I have to cancel classes and go to the physio today?” and I thought “Well, then I’ll do that, the sky won’t fall in, the money will work itself out.”

    But the one thing that made me sad is that I see so many people who have experienced financial difficulties (myself included) who are constantly putting away money into an unlimited emergency fund or investments or saving for some vague dream or trip of a lifetime (who can’t take their foot off the gas!) and in the meantime are losing out on spending time with their loved ones, with themselves or even injuring their health. So as much as it would be great for us all to have a financial emergency fund, I think we should all remember that we need a little something in our “emotional bank accounts” as Stephen Covey described them, so that when we hit those bumps in life we don’t go bankrupt with our friends, family, loved ones or even ourselves.

    • Ann Wilson says:

      Absolutely Pearl – I love that “An Emotional Bank Account”. Check out the blog post “Why Wealth Is An Ecosystem Worth Fighting For” about exactly this.

  • Jane Falconer-White says:

    Thank you for another great post. I love the fact that you mix life philosophy and finance instead of keeping them in their separate little boxes. The idea that life is just not ever going to be completely perfect really resonates with me at the moment as it is something that I am finally getting to grips with. Also the fact that even if you do manage to somehow get everything perfect, it doesn’t ever stay that way! I do have my emergency fund in place, just in case.

  • Debs says:

    Hey! First of all, I want to say what a pleasure it is to see your happy smiling face and hear your positivity coming across so strongly when you talk about money. It;s totally different from the hushed and embarrassed conversations – well, comments around not talking about money – that shaped my relationship with it. So please keep on smiling and encouraging.
    I started my emergency fund around 8 months ago. Then last month, I left major relationship and have had to take temporary accommodation whilst also running my own house – knowing my fund is there has allowed me to take my time in making my next move: big decisions are ahead and this time, I don’t need to grab at a lifeline that may not be the right thing – yes, my fund is smaller than it was, but I’m calm and feel the joy of having time to clear my head and grieve the end of the relationship. Wow, what a feeling it is to feel safe… and so blessed!

    • Ann Wilson says:

      Ahh Debs – Huge love and real empowered support coming your way. Thank you for sharing your journey and how having that safety net under you enabled you to say yes to you and make a decision based on moving towards life and not from fear and contraction which keeps millions of people in relationships, jobs, and situations that don’t serve them or anyone else due to financial fear. Remember to breath and give yourself huge acknowledgement because you did this for you.

  • Elsa says:

    Ann, sorry to hear about your arm, I believe it will heal well.
    I haven’t paid off all my debt yet but its getting there. Even so I’ve started a emergency fund and slowly building it up.

    Thank you for another snack.

    • Ann Wilson says:

      Well done on getting started Elsa – that after all is 90% of the work done. Thanks for the healing wishes. The arm is coming alone nicely and my left hand is – for the first time in it’s life – doing some work.

  • Nick says:

    Ann! The enlightened Buddha didn’t say all life is suffering (unless tongue in cheek at another blissful day!). ‘All suffering is caused by attachment’ was his a-ha moment 🙂

    • Ann Wilson says:

      And it is absolutely so, isn’t it Nick. We create our hell when we hold onto how we believe it “should” be instead of experiencing what is.

  • Kay Cooper says:

    I forgot to mention that I do have my emergency fund now. Thanks Ann for reminding me !!
    Be blessed for all your input into our lives !

  • Kay Cooper says:

    I totally agree, Ann, but sometimes easier said than done. I have a schizophrenic sister who slams down the phone on me for no reason and I get upset for days – in fact I walk in the “sh t” rather than avoid putting my foot in it. She has been like this with me for 40 years and I can do nothing to make it change. She is in a home. I will now send magazines, a few flowers at Easter, and try and keep some healthy distance. I put the false guilt behind me.
    I believe in God so I pray for her. We can’t alway change others but our response to “sh t”. Life is too short. I have a shower gel with the mark “I AM” and found that if I am thankful for at least 10 things a day I start off my day well !

  • Teetu Simiona says:

    Thank you Ann. You are absolutely right. Since I became an FFU student I learnt to put aside funds for emergency. I didn’t have to go and pull out my wealth pot anymore. My car needs to go into the garage next week and having some emergency cash there is a relieve. Where as before Im always finding myself running to my finance broker for a loan and I get to pay a huge interest back. Now I go without and wait for my next payday. It is very hard for me as a single mum with two girls to support but you did it and I can do it too.

    • Ann Wilson says:

      Teetu you are an inspiration and the habit and practice you are doing now will be and already is a huge gift to yourself and your girls. I really feel for you when you say it is very hard for you now, and that is why it is so important that you acknowledge what you have achieved, acknowledge how the actions you have done have brought you this far already and know it will and does get easier.

  • Bríd says:

    Hi Ann,

    Yes I have the emergency fund in place. Interestingly, I didn’t bring the card to access it on my travels. Why not? I asked myself. Well the truth is I know the fund is ‘there’ and I can use a credit card or my partners cash should anything present. Everyday I’m grateful (I literally tell life I’m grateful to be in this position). Also, as I’m abroad I didn’t want to bring that particular card with me. I’m trying to figure out how best to invest the proceeds of the sale of my house & still haven’t figured it out… ????. Index tracker I’m sure…. Just need time to see where….

    • Ann Wilson says:

      Hey Brid – you’ve hit the nail on the head regarding the other side of financial freedom. The “knowing” that we have our ass’s covered and a net to catch us just in case. This is how we experience financial freedom on the journey not just at the destination and it is so magical seeing you really experiencing the freedom with your exciting travels.

  • Richard says:

    You are totally right here, Ann. The thing I’ve found is that budgeting for EVERY predictable expense (and even those you can’t predict) it makes life soooo much less stressful. The only thing that I’m still not protected from yet is losing my job, which is where protection pate comes in, but I’m working on that.

    • Ann Wilson says:

      Huge congrats on what you’ve already got in place Richard. Until you’ve gotten your full cash safety net in place you can consider Income Protection Insurance. The longer you can make the trigger period on the Income protection policy the lower the premiums will be. SO let’s say you decide you will feel supported and confident with a 6 month basic needs safety net then this can be made up of a 2 month cash safety net and an income protection insurance for your basic needs amount that only comes into effect after 2 months of you not being able to earn for a 4 month period. The premium on this type of income protection policy compared to one that triggers after say 1 week will be significantly lower.


Your email address will not be published.