This is part 2 of the story of water shortage. Read part 1 here.
It turns out that the tapirs had a unique ability. One day, a young tapir was tired of being weary, and started following his nose to a pit far away. Guess what? He discovered that his long snout could sniff out new sources of water, and he couldn’t wait to tell the others. The tapirs learnt that if they could get in touch with their true nature, they could find new water, and contribute meaningfully to the solution as well.
While the monkeys were the happiest, their happiness didn’t last very long. When they were down to their last drop, they panicked and turned to the hornbills for help. What if they could save water while having fun with it? Together, they came up with an ingenious ideas – they borrowed some water from the hornbills and started building a closed-water circuit amusement park that continually recycled the water.
The hornbills however faced a different kind of problem. They saved SO much water that the tree trunks started to rot. By their extreme hoarding, they had prevented water from flowing to better uses and were even hurting the trees. They started flying to different animal communities to learn how they could better use the water they had.
The water rats became more and more burnt out. Building higher and wider dams became more and more tiresome, and yielded less benefits for the efforts they put in. They realized that dams were useful in the past, but new times called for new solutions, and they had to get smarter. They went to the elephants for help.
By now, every animal was beating a path to the elephants. The elephants were fearful – would their own water supply be threatened? What should the elephants do?
– Above is a story from the Moolahsophy programme where children engage in forum theatre to learn about what they can do about real community problems they may face.
There was a terrible crisis in the animal community. The animals noticed that the clouds were starting to disappear, and the rivers were running dry. Every community reacted to the water shortage in a different way..
The tapirs lay listless at the bottom of the river complaining. “Oh, the world is ending!” they would cry, burying their long snouts in the river bed, feeling depressed and utterly helpless.
The monkeys, however, seized the opportunity while they still had water. With a #YOLO attitude, they used as much water as they could, splashing in the rivers, using whatever water left to have as much fun as possible.
The hornbills were the complete opposite. Obsessed with where their water would come from in the future, they used their huge beaks to scoop water from the nearby rivers, storing each beak-ful in nearby tree trunks.
The water rats always thought that water came from dams. They started working overtime, without even looking up, building ever taller and ever wider dams that would store as much water as possible.
And finally, there were the elephants that had all the water they could ever want. They spent their days reclining and misting themselves in cool water. For they had spent generations building water wheels, extracted water from rare minerals, and even seeded clouds to make it rain. A shortage of water was definitely not their problem.
What do you think each animal can do to help with the water shortage? Read part 2 to find out!
– Above is a story from the Moolahsophy programme where children engage in forum theatre to learn about what they can do about real community problems they may face.
by Lisabelle Tan
One might think that mindfulness and money are of separate spheres – with the former being noble and perhaps even encompassing a spiritual aspect, while the latter is something associated with dread, survival and a mercenary attitude. However last Tuesday, PlayMoolah facilitated a panel discussion that revealed how mindfulness and money are in fact two sides of the same social coin. Imagine then, a world where the pursuit of money that shackles you to the paycheck at the end of the month is replaced with the pursuit of meaning that liberates and empowers you to make meaning out of money, leveraging on it as a tool to further your own aspirations and larger purposes. The panel discussion concluded that mindful money and consumption, when steered in the right direction, can serve a greater purpose – for all to co-create a flourishing and equitable world that is more inclusive and habitable for ideas to brew, people to grow and communities to develop and live well.
The event was organized in partnership with the National Youth Council, at the Future of Us Exhibition Marketplace. The panel consisted of Kia Jie Hui, who works at the Forum for the Future Singapore, and three entrepreneurs: Lance Ng of business enterprise Gift and Take (GAT), Prasoon Kumar of international non-profit organization Billion Bricks and Tay Lai Hock of non-profit organization Ground Up Initiative (GUI). Audrey Tan, co-founder of PlayMoolah, was the moderator of the discussion.
The discussion began with Lai Hock bursting into the catchy song “Money Money Money” by Abba, a fitting critique for the increasingly consumerist culture we find ourselves entrenched in, both past (in the 80s) and present. The world might be pitted on uneven odds, with the scales tilting in favour of the wealthy, but we are not altogether powerless in shaping our own lives and futures. We can opt out of a coercive system of consumerism by living out the simple creed set by Mother Theresa, “live simply so others can simply live”, as Lai Hock quoted. However, when we are swamped with an influx of new products in the marketplace on a daily basis, and when our all too insatiable human greed feeds our kiasu Singaporean mentality of keeping up with the Joneses, how do we then live up to this simple creed but difficult deed?
This dawning realization becomes all the more pertinent when we realize how interconnected we all are as people. We often share complex and even symbiotic relationships with people, rich and poor, consumer and producer, and Lance calls for a bridging of the gap between the spiritually poor in the marketplace and the materially poor in the world. Perhaps instead of unthinking philanthropy or hawk-clawed acquisitiveness, we can start to think about how we can give meaningfully and helpfully, without the niggling voice that calculates the gains and losses, and puts a value on the unquantifiable richness, depth and complexity of human relationships which are in themselves a resource teeming with potential.
The panelists discussed how do we go from mindless to mindful consumption. Prasoon rightly notes that businesses leverage on revealing and exploiting consumer insecurity to compel more and more consumption. Mindless consumption thus renders us slaves to a capitalist system, as we allow ourselves to be mastered by money instead of mastering and being stewards of our own money. Jiehui offered the perspective that telling a story powerfully can change people, and their approach to money. To be able to craft one’s own personal narrative to challenge the dominant consumerist narratives imposed by large businesses is in itself a laudable start towards mindful consumption. Lance and Lai Hock emphasized on authenticity, starting from the inside out. They believe that to be a conscious and mindful consumer one must first discern and live out their own truths, blazing the trail for others to follow suit. Mindful consumption thus begins with acute self-awareness and courage to go against the grain and carve out purposeful paths towards financial empowerment.
We can begin to practice mindful consumption by living simply. The panelists once more shared the small steps they have taken as they embarked on this lesser travelled path. Jiehui believes that “food and thinking about what we eat is one of the easiest ways to start”, after all, food is a universal unifier that brings people from diverse walks of life together. Lai Hock advocates the practice of giving something to one’s neighbor. He wisely said that giving need not be on a large, public scale as that of the Singapore Kindness Movement, and it does not matter how people perceive you, nor what you give, for the act of giving is, in itself, sufficient reward. He shared how he has been giving homegrown vegetables to his neighbors, which they receive with much gratitude, and even reciprocate in kind. The joy of giving stems from simple kindness, and its fruits are sweet to savour and far-reaching. For Lance, he lives simply by receiving more fully what life has to offer. Speaking about his switch from his high-paying corporate job to his current career and lifestyle, Lance said, “I have never been happier with less”. Perhaps we can too dispel the relentless modern day pursuit of ‘more and more’ and instead start to embrace the philosophy that less is indeed more.
We are building the futures we envision everyday, by searching inward to grow outward and build upward, towards goals and purposes larger than ourselves. The Future of Us exhibition not only charts the trajectory of the milestones we have accomplished thus far, as a nation of dreamers and doers, but also offers us a glimpse of the future that is ripe with an endless medley of possibilities. As we navigate our way towards a more flourishing and equitable world, let mindful money and meaning-making be our anchor and guide to steer us, upward and on.
What is money?
During the war, my grandfather made a lot of “banana money”. He apparently had so much money due to hyperinflation that it filled a whole cupboard. When the occupiers left, all that banana money became worthless. This taught me my first lesson on what money really is.
Today, the total amount of money in the world is about $60 trillion, yet physical coins and notes account for less than $6 trillion. Money’s worth goes beyond its chemical structure in metal or paper, and today exists mostly as electronic data that sits and moves from one computer server to another. Money isn’t a material reality – it is a mental construct, with trust as it’s core.
As explained further by Yuval Harari in “How does money work” –
"Money is the most universal and most efficient system of mutual trust ever devised. Even people who do not believe in the same god or obey the same king are more than willing to use the same money..
What created this trust was a very complex and long-term network of political, social, and economic relations. Why do I believe in the gold coin or dollar bill? Because my neighbors believe in them. And my neighbors believe in them because I believe in them. And we all believe in them because our king believes in them and demands them in taxes, and because our priest believes in them and demands them in tithes."
Why is it so hard to think about money?
Money is hard to think about because it can be used for almost everything today, and embeds many layers of complexity. Because it ties so tightly to the exchange between human relationships, it is also where our identity, aspirations, values, and beliefs, emotions are played out.
As such, money can trigger feelings of anxiety, fear, or even disgust. It is natural to want to avoid thinking about it as much as we can. A healthy relationship however, requires us not to turn away from it, but to turn towards it. Our first step to understanding involves giving attention to what is really going on, and examining our patterns of thinking and scheme of values as it relates to money – what does it really mean to me? What is it’s role in my life? What is it’s role in my relationships? Once we apply a new observation, we gain genuine self-knowledge that may be uncomfortable at first, but freeing the more we develop clarity.
Why is a healthy relationship to money important?
The excerpt below is adapted from the book “How to Worry Less about Money” by John Armstrong:
One thing that’s characteristic of a good relationship is this – we get more accurate at assigning responsibility. When things go wrong, we can see how much is our fault and how much is the fault of the other person. And the same holds when things go well.
This model applies to money. For example, when we worry or feel stressed about money, it usually is because we cannot answer these questions with specificity – What do I need money for, and when? How much is enough? How can I get that money? The problem then is not of money but in our own clarity of what we really want out of life.
When things go well or badly, it’s partly about what we bring to the situation and partly about what money brings. What money brings is a certain level of spending power. What we bring to this relationship includes imagination, values, emotions, attitudes, ambition, fears. So the relationship is absolutely not just a matter of pure economic facts, but an invitation to transform our future by giving money our mindful attention, deepening our inquiry, and living consciously through our actions.
As I was preparing for my wedding, a girlfriend of mine gave me an idea to make the traditional “hens party” a bit more meaningful and adventurous – How about a “volunteer” hens party? I fell in love with the idea instantly as it allowed me to integrate service with what I deeply cared about. In this case, how can each action I take go a further mile in putting a stop to poverty?
Little did I realise, that as the seeds of this idea germinated, my bridesmaids and I found ourselves whisked away traveling 12 hours by plane, and then by car, from Singapore to inland Toraja, a mountainous region of South Sulawesi. As we were on the road it dawned on me that this would have been the same amount of time if I travelled from San Francisco to Seoul, only that this time, we were heading to our neighbouring country, Indonesia.
Experiencing the culture of Toraja was absolutely fascinating. The indigenous people had such deep reverence for those who had passed on, which began with months of preparation and saving up for a grand funeral rite of passage where villagers would come together in fellowship. The idea of value was also very different – buffalos in Toraja were esteemed as prize possessions at each funeral or wedding procession – similar to how we might love our cars and wheels. The richness of the culture was not only seen through celebratory rites and food for the keeping, but also with beautiful clothes that complete each festivity.
Many new dimensions of their culture moved me, but one in particular opened up a new paradigm – I learnt about the magnificence of how clothing is produced locally. We had the privilege to spend time with local women weavers to understand how thread is bought from the local cooperatives they belonged to. We also learnt from our host, Dinny, how she founded Toraja Melo as a social enterprise to transform the lives of the poor women weavers by giving them a source of income, livelihood and economic independence, so they wouldn’t have to go to the city to become maids and leave their families behind. What ran deeper as an undercurrent, was responding to the need of reviving the dying craft of weaving in the village of Toraja with the erosion of old tradition coupled with the indigenous people being at the cusp of rapid modernization.
I was overcome by a sense of wonder and respect as I saw humble women weavers, display the intricacies of how each motif was woven in each piece of fabric. And in each motif, stood a mathematical formulae for how many threads of each colour needed to be woven together to craft the desired design systematically, accurately and beautifully. The experience connected me back to the roots of our land, on why things are made and how things are made. It connected me through to the entire supply chain to understand and see the face of the woman who made the clothes I wear. I see for myself that with each purchase of Torajamelo goods I choose to buy, my money is flowing through the value chain and making a difference to the livelihood of each weaver.
Many a time, we forget the influential powers that we as consumers have. When we demand certain products, we encourage, perpetuate and permit practices surrounding the manufacturing of ethical or unethically produced products. We often forget that with each dollar we spend indirectly casts a vote to indicate our “approval” for manufacturing practices that may be inhumane, cruel to animals or in poor working conditions for some. It’s not to say that all products are created in conditions as such, but the unfortunate truth is, unethical practices in the production process are often times unseen to our eyes because we are so, so disconnected from how things are made.
Realizing that producers produce goods when there is fuel for demand, we can exercise our rights as consumers to choose alternatives that we know will enable us to build a better world for all. By being concerned and aware of the manufacturing process behind products we purchase, we become in touch with where and how our money flows. The act of aligning what our values with how we spend each day, then becomes a beautiful practice that connects our actions with a ripple effect for a greater good that flows through the supply chain, the environment and the wider community we are in fellowship with.
Our trip to Toraja enabled us to understand that the sustainability and regeneration of the culture of weaving depended on the greater adoption of conscious consumers who choose to put a vote on a brand’s values that we deeply resonate with. It also deepened our ties with our neighbors in Indonesia through a soulful exchange over tea at Mama Andre’s humble home, being amidst the transformation and homecoming of the lives of 1000 weavers. Now deep in my heart, I know that each time I spend, my money goes directly to supporting the livelihood of the women weavers, in however small way possible.
-Audrey’s sharing of her Hen’s Party to Toraja at the November 2015 Honesty Circle held in Singapore-
When we think of wealth, we mostly associate it with money, investments, and assets relating to our financial capital. And then we might pause, and intuitively feel that wealth is definitely much more than just having money. My first understanding of wealth, came from this excellent essay by Paul Graham:
"If you want to create wealth, it will help to understand what it is. Wealth is not the same thing as money. Wealth is as old as human history. Far older, in fact; ants have wealth. Money is a comparatively recent invention.
Wealth is the fundamental thing. Wealth is stuff we want: food, clothes, houses, cars, gadgets, travel to interesting places, and so on. You can have wealth without having money. If you had a magic machine that could on command make you a car or cook you dinner or do your laundry, or do anything else you wanted, you wouldn’t need money. Whereas if you were in the middle of Antarctica, where there is nothing to buy, it wouldn’t matter how much money you had.
Wealth is what you want, not money. But if wealth is the important thing, why does everyone talk about making money? It is a kind of shorthand: money is a way of moving wealth, and in practice they are usually interchangeable. But they are not the same thing…"
And then I realized that of course! Our health and relationships are all part of wealth. Our ability to fix up an old bicycle, is a direct way of actually creating wealth without any need for money.
In fact, the word “wealth” comes from the Middle English words ‘weal’ and ‘th’ which implies “the condition of being well”. The moment we understand this, we invite ourselves to reflect on what truly constitutes our well-being, and realize the many invisible forms of currency that is contributing to the “richness” of our lives – like time, energy or love! Yet we often fail to acknowledge these other forms of capital flowing in our lives, because what cannot be measured is difficult to manage, and so much of life is not measured but simply enjoyed!
There have been beautiful definitions of wealth rooted in the values of different cultures. In The Soul of Money, Lynn Twist was inspired by the Achuar people of the Ecuadorian rainforest who had no concept of money: For them, wealth meant being present to the fullness and richness of the moment and sharing that with one another.
And then we came across this framework by Ethan Roland & Gregory Landua that maps out in a holistic way the capital pools that are flowing in our economic system. What emerged after a mapping exercise was 8 forms of capital namely: social, material, living, financial, intellectual, experiential, spiritual and cultural, with their associated currencies:
This holistic view of capital expands our definition of wealth, and makes us more aware of the kind of wealth we are actually building when we choose to prioritize our time, money, and energy. It also allows us to acknowledge how every community is rich, just in different ways, and to focus on what unique assets we already have, rather than what we lack.
With this, we end with a quote by Robert Kennedy from 1968 that is still as relevant today –
"The gross national product does not allow for the health of our children, the quality of their education, or the joy of their play. It does not include the beauty of our poetry or the strength of our marriages; the intelligence of our public debate or the integrity of our public officials. It measures neither our wit nor our courage; neither our wisdom nor our learning; neither our compassion nor our devotion to our country; it measures everything, in short, except that which makes life worthwhile. And it tells us everything about America except why we are proud that we are Americans."
How would you prioritize your life to maximize the kinds of wealth that you value?
What is work anyway?
Our beliefs about work are so embedded in our culture, that we often forget to pause and examine our understanding of work. How we view our work gives us our story of why we work, what good do we work for, and when we should work, and gives us the very reason to work in a way that is meaningful.
The old story of work has been rather bleak. It was even in the understanding of some religions that viewed work as a punishment for sin. In classical times, greek thinkers started to view work as “the lack of leisure”, popularized by Aristotle’s “we work to have leisure, on which happiness depends”. This history has taken to our modern day context by Adam Smith, the father of industrial capitalism, who assumed that people were lazy by nature and would work only for money – he wrote in The Wealth of Nations that “It is in the interest of every man to live as much at ease as he can”, and then our economy and companies were designed on that assumption.
Today, even our language has evolved to reflect the sacrifice of this exchange – when we start calling our earning “compensation”, are we being compensated for exactly? The new science of motivation is starting to challenge this assumption, as we live in a world that is facing a crisis of meaning, yet is so interconnected, so resource-imbalanced, yet generating so much waste, especially the tragic waste of human potential.
How do we “earn” money?
The original spirit of earning money was in fact a way of giving expression to how we choose to create value for others. When we create real value for others, money flows to us because there is actual demand for the value we provide. However, value is not determined by us, but what other people consider as value. How then do we tune in to what is value?
The secret to creating meaningful value, is surprisingly in the exercise of compassion. Compassion is a deep empathy for another’s suffering that comes from understanding and caring, along with a strong desire and responsibility to ease their distress. When we become conscious of the responsibility towards another human being, we find the “why” for our existence, we realize our creativity and unique gifts in easing their burning pain, and we find the resilience in us to go through any struggle.
Earning = Service + Creativity
Earning money then becomes an act of service, an expression of our deepest caring for the world. And then creativity is needed to find ways where the money could come from. Especially in our complex world, many people who may need our service, may not have the ability to pay for it. That is where our creativity is needed to find ways of alignment to fund our work, and even push the boundaries of what organizations “look like” in the future.
On the surface, the labor market appears to be undergoing a crisis that is especially hard on young adults at the beginning of their careers. But if we examine the drivers of what is really happening, we start seeing with fresh eyes and discover a goldmine of opportunity to design our lives in a way that gives us the freedom to flourish.
How meaningful do we find our jobs?
I was not surprised to read In a recent study of 180 million employees in Gallup’s State of the Global Workplace, that 87% of workers are “not engaged” or “actively disengaged” in their jobs. That is a whopping 7 in 8 people waking up everyday, to spend majority of their lives doing something they do not find meaningful. As a society, we have been schooled into a scarcity mindset and a pessimistic approach to work – with the assumption that we do it only because we have to. But what does that do to our well-being and quality of life?So many people are trapped in jobs with no meaning, but if we get to know the surprising science of motivation (clue: we are not money-driven by nature), we understand that there are more important elements that contribute to our motivation and well-being like:
While the rise of “mindfulness” and “give-back” programs in corporate organizations are a great start, the real work is in actually showing up at our work from a place of service, and designing our work environments that make us a better person through our work.
What guides you in your choice of work?
How long will our jobs exist?
There is a video I really like by CGP Grey called “Humans Need Not Apply”, that went viral for painting an alarming future where people will be unemployed by no fault of their own. As we are getting to a point where computers would teach themselves how to learn, it is a matter of exponential time that machines will be able to replace not only our physical labor like stacking boxes, but also our mental routine work like writing, analysis and decision-making, that are prized even in professional white-collar jobs. Living in Silicon Valley, it is already a reality to find yourself beside a self-driving car, or getting better cancer treatment outcomes recommended by data rather than a doctor.
This naturally creates a fear, seeing that our jobs may first be off-shored, and then automated. However, if we take a closer look, we realize this is but a shift in the nature of skills that will be valued in the future. When mental and physical routines can be automated, it allows for jobs to be reconfigured towards a deeper level of customer-centric care and focus, away from just the application of specialized knowledge. If you looked at this list of whether your job will be done by a machine, we realize that jobs that cannot be replaced are those that require humanizing qualities of empathy and originality, and emerging jobs will call for greater creative and social intelligence, exactly the kind of traits young people are great at, and that make us as human beings come alive.
Therein lies that we all have our job, and then we have our work. Our job may be to stack bricks (who likes stacking bricks?), but the real work might be in building our church, and no one can take away our work.
What is your job? And what is your work?
What is your individual career lattice?
Global youth unemployment is rising, a discouraging fact in itself. This reality is forcing youth to look harder at what they really want to do, instead of following a standardized path. Those who have successfully navigated these waters see a new approach to the job market. With unbounded energy, idealism and a search for meaning, more young people are creating their own opportunities through service, entrepreneurship, or the gig economy, re-thinking the secure job as a merely a backup option.
Our careers are becoming non-linear and are moving from a ladder to a lattice structure. This also means that success is no longer defined by seniority, but by doing what personally matters to each individual in terms of meaning and mastery. And when we change how we work, we change how we live, and new ideas like having a “quarter-life crisis”, planning to take mini-retirements, or living a new life every 7 years is becoming increasingly popular, showing us a new design of what work can actually be like.
Why do you work? What is work anyway?
This is Part 1 of our Mindful Earning series. Read Part 2 here.
Beyond personal discernment, there is still something invisible at large that I know is influencing my spending.
For example, I recently received an extra vacuum cleaner as a wedding gift (even though we told our guests no gifts!), and promptly tried to sell it as we really didn’t need two vacuum cleaners. Our buyer was a lovely lady called Beverly who later sent us this note:
“The vacuum cleaner works fine. It is my third one, over the years. When the battery wears out, it is cheaper to buy a new one then replace the battery. I think that is a waste of resources, but I don’t know what else to do.”
We know there are forces beyond our control, as our products are increasingly being “designed for the dump” in what is known as planned obsolescence. There’s a fantastic segment from The Story of Stuff that talks about this – how companies are strategically designing for products to break as fast as possible, yet long enough that customers keep the faith and continue buying. And now there’s also perceived obsolescence, that merely by changing the stuff looks every season, we continue buying just to keep up!
I also began to see that how all of us are actually paying the full price of our stuff, but we are paying for it in indirect, more invisible ways. We pay the full price of food through our medical costs, we pay for convenience and low prices and through endorsing the work culture and labor treatment that comes along with it, not to mention the toxic waste and pollution that goes back into the air we breathe, the food we eat, and the water we drink.
There are so many people in jobs they don’t like, producing stuff that we don’t want, convincing us to buy stuff we don’t need, using resources that we don’t even have.
Now I put on a different lens and think about the true cost of that H&M Tank Top selling at $4, or how an Amazon delivery gets dropped off at my door on a Sunday, or who is really paying for the “ savings” when I use my mileage credit card.
Who is paying the full price?
This is Part 3 of our Mindful Spending Series. Read Part 1 here and Part 2 here.
I saw this smart-looking blazer that I really wanted – I could always need new clothes for the office, it was in a pretty color I didn’t already have, and what a great fit I found! I bought it in a jiffy and proudly hung it in my wardrobe.
The next morning, I tried it on but was dismayed that I somehow didn’t look as good as the model in the catalogue – ah, it’s probably because I didn’t have that matching pair of pants and the right shoes. And it looks so good with that new bag. Hey, since I’m buying that new pair of pants, shouldn’t I just make it worthwhile and get another blouse to match that?
I realized an interesting feedback loop when I start spending:
The more I buy, the more I need to buy
The same thing occurred when I bought that new camera and suddenly needed all the accompanying accessories and endless upgrades, or the time I bought a new set of plates, and suddenly needed a whole new set of matching placemats and table linens just so they would “match” well when I threw dinner parties.
It didn’t make things easier that I had just received this hundred-item checklist of “new home essentials” from Bed Bath & Beyond in the mail, that made me think of stuff I never knew I needed – thank you decorative pillows.
The state of our living space tends to be a pretty accurate representation of the state of our mind. Psychological research has shown how physical clutter overloads our senses and stresses us out. When we start removing what isn’t adding value to our life, we start to make room for stuff that actually does, and start creating conditions in our environment to feel calm, content, and whole, giving us the time, space, and energy on things that really matter to us.
“I Need” is a very common thought pattern. However, it is in fact a very disempowering thought as it completely removes the concept of even having a choice.
Every time I think I need something, I now catch myself and pause, and reflect on what I am actually longing for. Do I need that meditation cushion to have a better meditation, or do I simply need to cultivate my inner peace? Do I need to buy that 3-in-1 cooker to save time, or do I simply need to choose simpler recipes, prioritize more time with my family, or even get them involved in the cooking process? It is often not the material things we really need but something deeper that we are longing for – love, connection, acceptance, comfort, or to be meaningful engaged in life.
Am I adding another rock to my life, thinking it is a diamond?
This is Part 2 of our Mindful Spending Series. Read Part 1 here or go to Part 3 here.