One of my favorite places in the world is the YMCA. Have you heard of it? They say that there you can get yourself clean, you can have a good meal, you can do whatever you feel. šµšŗĀ
Yes, itās fun to stay at the YMCA, but nowadays, they donāt serve food and I think the Village People were exaggerating about the āwhatever you feelā thing. But you can get up at six in the morning to go swim laps. Thatās what Iāve done every weekday for the past two years, and itās been amazing!
That time is like meditation to meāI donāt have to care for anyone but myself, I have to be alone, and I physically canāt look at my phone. Itās just me, the water, and my thoughts.Ā
My Swimming Nemesis
Well, usually itās just me alone with my thoughts, but there was one morning when I have to admit I was a little distracted. There are two pools at my YMCA. One called the family pool, which is heated and is the home of a kick-butt water aerobics class on most mornings. The other is the competition pool, which is exclusively for swimming laps.Ā
At six in the morning, itās pretty quiet, but thereās usually one or two other swimmers in the competition pool. Despite its name, itās not like youāre competing. Everyoneās just there to do their own workout. But I do tend to notice who is the fastest swimmer in the pool. Spoiler: itās usually not me. And thatās fine. Iām a large, hairy man swimming backstroke. Iām not trying to win the Olympics. I donāt expect to be fast.Ā
But I do expect to be faster than someone who qualifies for the senior citizen discount at IHOP.Ā
Thatās who was distracting me that morningāan elderly woman in the lane next to me who was absolutely hauling across the competition pool. Again, itās not a competition. Itās not, okay!? But was I going to let a person twice my age do two laps to my one?
So I started swimming harder. I huffed, I puffed, I nearly drowned a couple times. I even turned over and started swimming butterfly, cause itās my fastest stroke. (Yes, I won a race doing the butterfly in an intermediate swimming class in college once. Itās kind of a big deal.) But no matter what I did, my nemesis seemed to only swim faster. Who was she? Was she a former Olympiad? Was she Michael Phelpsā mom?
And then she got out of the pool, and I realized her advantage. Attached to her feet were two enormous flippers the size of Willyās dorsal fin. She was wearing swimming fins, you all! Of course she beat me! Did I mention itās not a competition?Ā
Advantages Hidden Under the Surface
Boy, did I feel like a dolt! I still had a hundred meters to swim, but by this point I was all tuckered out. I decided to hit the sauna instead. (Yeah, my YMCA has a SAUNA too!) And while I did, I got to thinking. This kind woman literally had an advantage under the surface that I could not seeāan advantage that made me feel bad about my own progress for no good reason. After all, she wasnāt competing with me, she probably didnāt even notice me!
This is exactly what itās like when we compare ourselves to othersā financial situations.
Weāre all trying to improve our own finances, and itās not a race. But sometimes, we look to others to set the pace. It can be hard when we perceive that our peers are moving faster than we are, but the fact, they might have a hidden advantage that weāll never know about.
Maybe they started in a different place. Maybe theyāve had some help from their family. Or maybe theyāve just been lucky enough to avoid a major car repair for the past couple years.
It can be hard when we perceive that our peers are moving faster than we are, but the fact, they might have a hidden advantage that weāll never know about.
Or maybe they have no discernible able advantage at all. It doesnāt matter. Swim your own race when it comes to improving your finances and avoid comparing yourself to others. The only thing that matters is that you make sure youāre spending joyfullyāin a way that expresses your true self in the world.Ā
Swimming With Fins is Hard Work, Too
But the story isnāt over yet (and neither is the analogy). The next day, I realized that next to the pool noodles and buoyancy cuffs, the YMCA provides swimming fins right there for anyone to use! I was stoked! Now, Iām going to be like my geriatric rival. Iām going to have the advantage in the pool today!Ā
So I put on some of those communal swimming fins (which, looking back, is totally gross. I have my own fins in my Amazon cart right now.) And just like Michael Phelpsā mom, now I was swimming twice as fast as the person next to me. I was having so much fun. Whoās the envy of the competition pool now?
But after a few laps, I realized swimming with fins isā¦ not easy. In fact, while I was swimming faster, I was working a lot harder. I have since learned that itās very common to use swimming fins when training to be a competitive swimmer, who knew!? Specifically, you use them to work your legs. The greater resistance from the fins meant my legs were absolutely burning.Ā
Having Advantages Doesnāt Exclude Hard Work
And thatās when I realized there was more to this analogy. Just because someone has a financial advantage, it doesnāt mean they didnāt work hard to get where they are, too. Often, your neighborās economic place in life is the result of privilege, luck, and also a healthy dose of hard work, too. Itās rarely as simple as we like to think it is.Ā
And maybe you feel like youāre the one whoās been swimming with financial swimming fins. Perhaps that has led you to minimize your success. Now, there is no doubt that itās important to recognize our privilege and let that motivate us to give generously to build up our communities. That kind of humility is a virtue that we need more of in this world. But itās also okay to take a healthy dose of pride in the hard work and careful decisions that led you to where you are today. Hold both in tension and let it lead you to greater gratitude and grace.Ā
Whatever the case, avoid the comparison trap. Donāt judge yourself by the pace of othersā progress, because they may have advantages under the surface of the water. But also donāt judge others (or even yourself) based solely on the privileges they may possess.Ā Ā
Do what I should have done that morning at the YMCA. Remember to swim your own race and focus on how good the water feels.Ā
Do you want to be like Michael Phelpsā mom? Put on some financial swimming fins. Try YNAB today. Itās free for a month!
ā