This post is about The Five Pebbles of Wealth which will give you a more holistic and diverse view of wealth.  Without these five pebbles being integrated into your life, it will be hard to achieve your dreams and goals in life.  As I work toward paying off my astronomical personal financial debt, the one thing that gives peace and sustains me is my faith!

All too often, we look at our bank accounts to determine our personal financial wealth, but without these five pebbles, I believe it can be difficult to maintain and balance your personal financial independence when you do obtain it.

Personal Finance

I do not know how you will review these five pebbles of wealth in your life, but I see these five rocks as essential to being debt-free and financially independent.  While these five rocks may not seem as though they offer you financial wealth strategies, they do!  These are priceless assets.  Do you know how many people are willing to give up all their savings, house, or car for peace of mind?

When we understand how to manage and apply these five pebbles, they can lead to personal financial freedom in five ways. Understand that I am not a doctor or psychologist, these are five practical rocks, I relied on and implemented to get me through my personal financial journey. They will forever be a part of my life!

 1.  Spiritual Wealth

Is when you are connected to someone greater than yourself, money, friends, job, or family.    To be grounded spiritually, we become everything we are designed and destined to be.  The by-products that are manifested out of our spiritual relationship should be a guiding barometer that leads me or you to make the right decisions, better judgmental calls, and treat others with respect and dignity.

Spiritual wealth provides intangible virtues such as love, joy, peace, goodness, kindness, faithfulness, patience, and self-control that will and should become tangible over time in our lives. When we integrate the spiritual aspect into our lives, jobs, and personal and family relationships, we will all benefit from it.

While my personal debt is huge, it is the spiritual relationship that keeps my mind in “perfect peace.”


 2.  Mental Wealth

The slogan from NAACP says, “The mind is a terrible thing to waste.”  We should be careful in how we care for our minds!  It is a very valuable asset, but it can also be a liability, if not used properly.  You should be selective in what you saturate your mind with. If needed, consider getting professional help.  There is nothing wrong with seeking professional help when needed.  Do not get mentally drained by your profession, friends, or family!  Free your mind from people and things that do not add value to your life!


 3.  Physical Wealth

Your health is wealth!  Without our health, it is impossible to achieve our dreams and goals. It is extremely important to create a daily exercise routine as part of our lives, especially as we age.  You do not have to spend money to become physically fit.  You can do small things like a 30-minute nature walk, ride your bicycle for 30 minutes, get a videotape and workout with the video for 30 minutes, cook healthy meals, and eat fresh fruits and vegetables.  All these small changes can enhance your life immensely. Read or listen to good books and surround yourself with positive people.


 4.  Social Wealth

Too often, social wealth is associated with luxuries such as status, cars, a house, or titles.  These are things that keep us in personal financial debt and emotionally drained. Trying to keep up with the Joneses, per se!  I see social wealth as relying on communities that are around me such as the Well-Grounded (youth) and Seasoned (elderly).


Whether you realize it or not, if life prevails, you will become a part of these two communities, at birth and when you reach the age of 50+. Within these two communities, there is a wealth of resources and knowledge that can be brought together to help each other. By working on activities together, you will benefit from the knowledge, skills, and resources to develop positive relationships. When children are taught (the Seasoned: elderly, parents, adults) to respect others they develop better social skills, and they are taught how to interact with others.


The elderly and the youth benefit from each other by breaking the barriers of isolation, and by sharing activities that give them both a sense of purpose.  For example, in the article reported by Today, titled, “Senior-Youth Mentoring Programs”, there are a variety of programs that bring positive effects to the elderly and the youth, as well as, to the communities they live in. As we watch the news, we see the rising cost of food, gas, and daycare. The common theme in these communities is pooling together their resources that work for everyone.  Over time, communities like these build deeper relationships and respect with the people that come into their lives.


 5.  Time Wealth

We all have heard the phrase, “time is money.”  How are you spending your time?  Is bringing value to your life?  Are you spending endless time binging out on movies that are not enhancing you for the better?  Are you positioning yourself for wealth or poverty?  During the COVID, I feel, I became a YouTube junkie.  When I want to learn or get a better understanding of something, Google and YouTube have become my newest teachers.  And it is free!  Spending our time wisely allows you to build wealth; therefore, freeing up time allows you to do things you enjoy doing such as spending quality time with family and friends.

True wealth is not only measured by money, but also by your faithfulness, mentality, physical health, social, and time are pillars of wealth.  Without these five rocks being their proper perspective, personal financial independence can be less rewarding.

Besides looking to achieve personal financial success, we should integrate these five pebbles as part of our wealthy lifestyle also.


This post is all about five Pebbles of Wealth. We become more holistic when we integrate these five pebbles into our financial portfolio.



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