What is the Two Comma Life?

If you spend enough time on our podcast or blog page, you’ll probably end up with the question: What is the Two Comma Life?

At the simplest level, the Two Comma Life stems from the idea that there are two commas found in a million dollars (“$1,000,000”). 

However, we take the “millionaire mindset” far beyond the number itself here at PrairieView. For our clients, it’s about cultivating a perspective overflowing with autonomy and fulfillment.

Understandably, this is easier said than done. Let’s take a deeper look into what the Two Comma Life really looks like (and how you can take steps to get there).

What is the Two Comma Life?

Instead of feeling restricted by a scarcity mentality – where fear and financial limitations dictate your choices – the Two Comma Life encourages and fosters an abundance mentality. 

When you believe you have the resources (both financial and personal) to create a fulfilling life, it can open a multitude of doors to pursue your passions, contribute meaningfully to your community, or simply enjoy the freedom to travel the world. 

A big piece of the Two Comma Lifestyle is opening yourself up to new opportunities and learning experiences, which can feel overwhelming if you’ve grown comfortable with how things are. In that case, I encourage you to think of it like a goldfish in a tank. The smaller the bowl, the less area the fish has to grow and the narrower the perspective can seem. Give the fish a bigger tank and it has more room to thrive. 

But just like goldfish don’t always need a pristine environment to thrive, you don’t need a linear line of success. Remember that each step you take out of your comfort zone expands your abilities and widens your perspective, transforming what seemed like overwhelming aspirations into achievable milestones. 

Finding Abundance From Within: An Exercise in Self-Awareness

The first step in this journey is introspection. I invite you to take a moment (or a pen and piece of paper) and think carefully about the following questions:

• What does abundance mean to you? 
• Where does your energy and attention naturally flow when you feel most at peace? 
• What do you find yourself talking about regularly? 
• Where are you investing your time and money in your daily life?

Many of your answers can likely be found in your habits and rituals, and they probably look different than your neighbors’. Of course, if you’re struggling to find the answers, your schedule and expenses might be misaligned with your values. 

For example, that daily coffee shop run might be routine at this point, but is it still bringing you joy like it used to, or could those funds be better utilized elsewhere? We’re not saying you have to cut the caffeine if it truly puts some pep in your step, but we are asking, “Are your regular habits aligned with your long-term goals?” 

The goal of this exercise is to feel out whether your daily decisions are focusing your time and money in a positive way. This type of financial self-awareness ensures your present choices are paving the path toward your desired retirement vision – a.k.a, the Two Comma Life of abundance.

Building a Life of Purpose Beyond the Bank Account: 4 Strategies for Success

Financial security is undeniably important, but it’s merely a foundation to the Two Comma Life. 

Designing a fulfilling retirement is about living with intention in the present moment, while also creating a future you can’t wait to dive into (whether you’re celebrating your 20th birthday or your 80th). For many, that means focusing on the activities that bring you joy and a sense of purpose. In fact, Senior Living found 97% of retirees with a strong sense of purpose were generally happy, compared to 76% without! 

Here are some ideas you can use to start cultivating an intentional life:

1. Identify Your Values 

What truly matters to you? Is it financial security, spending time with loved ones, travel, or pursuing creative endeavors? Understanding your non-negotiable core values can help guide your decisions.

2. Practice Intentional Gratitude

Take a little time each day to reflect on what you’re grateful for, big or small. Finding small wonders will also help you become more aware of the things that strike your interest and spark joy, and the practice contributes to many positive cognitive health benefits!

3. Make Room for More

Just as physical decluttering creates space, mental decluttering allows you to focus on what truly matters. This clutter could include negative self-talk about your purpose now that you’re retired, anxieties about finances, or a lingering feeling of needing to be constantly busy. 

By letting go of these unproductive thoughts, you free up mental space to focus on what truly matters. What are your passions? What have you always wanted to learn or experience?  

4. Fall in Love with Learning

Whether it’s mastering a new language, whipping up culinary delights in a cooking class, or giving back through volunteer work, these activities enrich your life and foster a sense of purpose. 

But the learning doesn’t stop there; your wealth of experience can also benefit future generations and contribute to your legacy. Mentoring younger colleagues, volunteering as a youth program leader, or simply sharing your life lessons with family – these acts of knowledge transfer create a ripple effect, leaving a positive impact that extends far beyond your own retirement years.

By adopting a millionaire mindset (based around not just money but intentional living) and making small, consistent adjustments, you can design a Two Comma Life that’s truly rich in meaning and purpose.

Design the Retirement of Your Dreams

Ready to take the first step on your retirement journey? Schedule a free consultation with a PrairieView Wealth Partner today and discover how we can help you navigate the path to a fulfilling future.