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Slow Progress?? Better Than No Progress

Last year, I decided to time myself running the mile. I stretched, got myself pumped up with some tunes, and I took off like a rocket (or so I thought). My first few steps were good. I felt fresh, limber, and was going to achieve a killer time.

After what seemed like a quarter mile or so, I looked down at my run app. This was the display:

“Derek, you’re out of your mind. You’ve only run 0.09 miles. You’re never going to make it.”

Okay, really it just read, “0.09mi” – my brain took care of the rest.

I pressed on anyway. I was in shape, my breathing was still decent, and I was determined to do the best I could. I labored for another three grueling minutes and made it to the halfway point. My legs were heavy, my breathing was loud (something like a bull before it charges a matador), and I was slowing down.

My run slowed tremendously from here and I eeked out a time that was disappointing to say the least: 6 minutes, 59 seconds.

With my breathing still heavy and my legs rubbery, my mind went into verbal abuse mode again:

“There are human beings in this world that can run a mile in under four minutes. You, Derek, are pretty fricken slow. This time is an embarrassment to your species and should never be spoken of again.”

I was comparing myself to the wrong group of people. I am not an Olympic runner, nor do I have the natural gifts to become one. It’s as simple as that. Why on earth would I expect to post a time anywhere close to theirs?

Slow Progress? Better Than No Progress

Our mentality is skewed on the financial track as well.

We run and run (and run some more) and feel as though we get absolutely nowhere. We look at our bank account and see that it’s inching up slowly, which feels good for a moment…that is until we read some blogger post about real estate investments and cash savings of $100,000. Suddenly our progress looks like nothing again.

The Financial Race Today

Whether we want to or not, we’re all running our own financial race. If we choose not to run, we starve and die. For many of us, I’d say that’s probably not an option. So what does the financial race look like for the rest of us? I know that we often feel like everyone is lapping us and earning millions, but is that the reality? Far from it.

slow progressHere’s what the financial race actually looks like:

You’re in lane 3. You look to your left, to your right…everyone looks pretty financially ripped. They own shiny cars, monster houses, and Rolex watches.


Holy crap, this race is starting. You don’t have a chance. What are you even doing here?


Butterflies are having a field day in your stomach as you quickly put your hands down on the line…


And you’re off!!

What the….

Instead of shooting forward, the runners in lanes 2 and 4 are running in reverse! Lane 1 and 6 are frozen in time, and you’re neck-in-neck with lane 7! You have no idea where lane 8 went, but you’re in a dead-heat for 2nd place!

The race ends, you get 2nd (kudos to you), and you start putting it all together…

Running in Reverse

You never really know who these people are, but they’re all around you. They’re running a financial race, but they think the goal is measured in stuff. Totally wrong. The real financial race is measured in net worth. They buy:

  • big houses,
  • nice cars, and
  • luxurious boats

And all the while their finances are actually going in reverse. 

Spending money that you don’t have (all of the above items are purchased with credit) on items that depreciate will often leave you with more money going out than coming in (hence, why they find themselves running in reverse).

The sad thing is they think they’re winning the race, but they put themselves out of contention long ago…

Frozen in Time

These people look decent, but their net worth never grows! Referencing yesterday’s post, these are the Stagnant Savers. They probably could do more with their finances (earn more, save more, invest more), but they don’t have the desire to. They’d rather just live comfortably and take a vacation here and there.

For me, these people are too complacent and are losing the race of both happiness AND financial freedom.

Blazing Speed

There are very few that are in lane 8, but they are absolutely motoring financially. They started slow at one point, but have since learned a ton and are now earning bank and are re-investing nearly every penny.

Slow Progress

If you compare yourself to the financial track star, you’ll probably discourage yourself from ever getting into the starting blocks. Don’t do that. Look around, understand that you’re doing pretty dang good, and keep improving whenever you can.

The financial superstar will likely finish his/her life with $500 million. Pretty impressive. But do you want that much? Probably not (you’d hate the politics that come with it). I think you’d  live quite happily with $5 million – am I right? So keep on learning, growing, and investing. You’ll get there!

Keep running your race and earn your financial independence!

Battle of the Mind Money


My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. Ha! I love this analogy Derek! It’s probably the first personal finance post this year which made me laugh out loud when the “race” started!

    I’m in the “slow” lane right now – but moving forward. My very conscious plan is to shift up a gear or two in the next year. Right now I’m just trying to get everything in order, so its nice to get a reminder that slow progress is better than none at all.

    • Ha! Glad it made you laugh, Richard!

      Looks like there are plenty others that are making slow progress, but that’s definitely okay! Sure, it would be nice to speed up (and you probably can with a little help), but just make sure that you don’t get discouraged and do something rash. I don’t want to see anybody running backwards!! 😉

  2. It is a great analogy.

    I’m a terrible runner. I can train for months and never see an improvement on my run. On the other hand, I can lift just a little and see huge improvements in strength.

    So, I spend about 80% of my training on endurance/running and 20% on strength. I don’t want to be a body builder, I want to be balanced.

    Many people focus on what they are good at (shopping, spending, buying nice things), when they should be focused on building up what they’re bad at (budgeting, finances, investing). People tend to avoid things they aren’t great at.

    It’s best to be financially balanced by focusing on the things we don’t really want to do.

    • I’m kind of jealous of your issue. I’m 6’8″, 195 lbs…pretty lean. I lift three times a week and get stronger, but it really doesn’t show. My stamina for running is pretty good. It only took me a couple months to work my way up from 1 mile at a time to 15 miles.

      Anyway…those are my physical abilities/disabilities. 😉

      Financial balance is key. We need to be constantly building our net worth and assets, but we also need to have a little fun along the way too.

      Thanks for the awesome comment, and let me know when you boost your passive income again! I love to hear stuff like that.

  3. I love running and personal finance. In both, I only check in on what my body is feeling. I do not care if I am faster than a person I don’t know. I do not care if I have “worse” pants than a person I don’t know. I have no idea what their training, their goals, or their values are. I know how I feel as I keep going forward. At some points in my race, I need to slow down because of a cramp. At other points, I can full-on sprint and experience incredible joy. These are all part of the same race. As long as I stay on the route, I’ll get there when my body and mind can handle it.

    • You’ve got it ZJ! Right on!

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