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A Functional Wardrobe
Color Wheel for a Functional Wardrobe A functional wardrobe provides both leisure and luxury. Fashion preys on the the weak and insecure Think about what it means to be wealthy, comfortable, friends with money. One definition of wealth is having everything one needs. Thus, for the wealthy, clothing is functional. For nearly everyone else, it is a shield behind which they hide. Having a core of clothing that will take you through your daily activities with grace and ease

Nicole Ramos
Apr 711 min read
Luxury is Seizing Opportunity Costs
Imagine you are walking through in a store. You pick up a pretty item of decor and notice the price is sixty dollars. Before you toss it in the cart with a shrug, ask yourself this: Would you pay one and a half or even three times that amount for the item? What about twenty-five times the sticker price? Maybe not? If it is a recurring expenditure, how would you like to pay three hundred times the current price? ` If you invested the money instead of making the purchase,

Nicole Ramos
Mar 246 min read
Luxury is an Endless Garden
Happy St. Patrick's Day! Now is the time to get your peas and potatoes in the ground. A friend once asked me what I meant by that and I really had no other explanation than, "we always plant peas and potatoes on St. Patrick's day (or that week)." I know it is because they take the longest to grow and they can handle a bit of cold but, beyond that, it's just what we do. Yes, she replied, "but how do you know that is the right time? Where did you read that...have you done

Nicole Ramos
Mar 173 min read
Luxury is Multiple Streams of Income
Water Cycle Parallels to Wealth You are probably familiar with the water cycle; collection, evaporation, condensation and precipitation. In nature, this means streams, rivers and lakes; heat and transpiration; clouds and rain or snow fall. Water is an entity that is constantly in motion, even beneath a seemingly still surface. The water collection system represents our income. There may be one of many sources (streams, rivers, lakes) in your personal financial ecosystem.

Nicole Ramos
Mar 106 min read
Luxury is an Income Guild
Today we are merging the idea of wealth building with the permaculture concept of guilds. A guild is an organization of mutually beneficial plants designed to support each other. They spring up naturally under raw conditions as those plants with symbiotic natures reinforce the presence of each other. While seedlings can sprout anywhere, only those in a beneficial location survive. Gardners use this pattern of beneficial plants in beneficial locations to increase yield or

Nicole Ramos
Mar 67 min read


Disconnect Money from Time and Effort
Choose to Work When I was young, we were given several aptitude tests throughout secondary school. The thought was that if the military could figure out what you were good at, they could help you choose a career that fit your skills. this was part of the culture of refinement of the body of labor that came about in the 1960s. Then there was the 'life changing question,' what would you do if you didn't have to work for money? My answer was invariably, "well, then I would

Nicole Ramos
Feb 244 min read
Increase Friction for Non-Essential Purchases
The Lie that is "Fewer, but Better" Less is definitely better. Many brands these days attempt to capitalize on our understanding that less is more. They have coined slogans like, "Fewer, but better." Like all advertising claims, this should be viewed skeptically. The truth is that Fewer is Better. "Fewer, but better" never pans out for us because we hook into the part that is better, or newer, and forget about having fewer. If you already have one, that is all you need.

Nicole Ramos
Feb 104 min read
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