by Andrew Elder
To paraphrase Nietzsche: that which doesn’t kill you will often leave you flat broke. It’s the side-effect of cancer that often gets overlooked in movies, books and blogs. And it’s a quiet affliction. Even 5Ks or bake sales raising money for families with a cancer diagnosis don’t often say; “Hey, we’re frickin’ BROKE here!” It’s the “after-cancer”, the one that even the cancer you beat can leave behind, the cancer of financial destitution. I’ve been there, and I’ve been through it, and whether you’re dealing with a nasty diagnosis right now or you’re years past your treatment, you can do this. If you’re sucking enough wind to read this post, then you are a survivor right now today. And if you can kick cancer’s ass, then credit cards and medical bills and Bank of America don’t stand a chance!
As for me, my name is Andrew Elder. I’m a resident of upstate NY in the Capital Region area. I’m a seven-year Stage 3c colon cancer survivor and a proud former Colon Club model (Mr. February 2010 baby!). I’m also a singer/songwriter, a personal finance nerd, a happy husband and DIY homeowner, a US Navy veteran, and a rabid food and exercise nut…except for running. Running doesn’t like me.
I often say that considering I didn’t – you know – die, cancer was the best thing that ever happened to me.
Surviving cancer gave me much-needed perspective, and a new philosophy: life is too short to be anything other than free. As I worked my way through surgery and treatment I became profoundly grateful for each day, and realized that the way I’d lived and the choices I’d made had put up cages around me. I was overweight because I ate garbage and sat around too much. I was constantly stressed because I had a boatload of debt, no savings, and no real career. Consequently, I had a lot of self-loathing, no peace, no hope, and no confidence in my ability to change. I’d accepted unhappiness…accepted that life was, well, kind of crappy.
But let me tell you, being given a 25-percent chance to live for the next five years is a fairly effective wake-up call.
That diagnosis shook me out of my inaction. I decided that no matter how many days I had left, I was going to live every one of them as best I could, without regrets. But how can you enjoy life if you hate the way you look and feel; are broke, stressed and frustrated and worst of all, hopeless? That’s not living, that’s just being alive.
With that realization fueling the fire, I created a plan and started taking action.
I’d lost 70 pounds thanks to the “chemo diet,” but I was a gaunt wreck. I began exercising again, starting with slow walks and weak calisthenics, and soon graduating to weight-training, biking and hiking, and swimming (and yes, even a little running).
On the financial/career front, I accepted the fact that I was myself the cause of my problems, but I was also the solution to them. The only thing standing in my way was ignorance, so I started reading every personal finance book I could get my hands on, applying it to my life, then putting that knowledge into action.
I’m not a certified financial professional (yet!) but I’ve learned some hard lessons about money and discovered how to win financially, regardless of how much income you make or how much debt you might have. Physically and financially, I engage in that new-age buzz-phrase; “intentional living”. That’s my key to any turnaround – physical or otherwise – and it’s what I’ll be writing about here. And if what I’ve learned can inspire or inform you in any way, I’m proud to share it.
Until next time, I’ll leave you with a secret: happiness isn’t a result; it’s a choice – and it’s a choice you make every day, regardless of your current circumstances. It’s not about what your life is like today, it’s about what you’re doing today to get where you want to go – physically, financially, relationally, etc. Accept that you can’t control everything or change everything at once; all you can do is all you can do. And if you’re honestly doing all you can each day then smile; you’re already winning!