It’s a marketer’s world, we only live in it.

Think about how true those words are.

Every single day we are processing an over abundance of advertisements and imagery. Our desires and interests are merely pawns in the game. Our insecurities are preyed upon.

It’s easy to understand why we have so many financial issues, when we think we can buy our way to happiness through new shoes and buy status in the form of cars or houses.

It’s easy to succumb to temptation, consumerism, and the like, because “everyone is doing it.”

But whose life is this anyway? Who signed me up for this?

I don’t know about you, but my version of happiness and the American Dream does not mean going into (more) debt to buy a house, have kids, or buy cars, that quite frankly I can’t afford.

Except the world we live in tells us that everything we want is at our fingertips. It’s so close you can almost taste it. Everything you want, you can have. For a price.

If there is one thing I’ve learned about personal finance, is that if you want to be a financial rockstar, you have to reject the status quo.

You have to reject the “shoulds”. You have to reject the scornful looks of judgement. You have to say “no” while everyone is saying “yes”. You have to play odd man out, in a sea of sheep.

Because let’s face it. Being in debt is normal. Having a car payment, or a mortgage is normal. Working until you are 65, or until you die, is normal.

For so long we grow up and never question any of it, until one day the blindfold is ripped off and we can see everything clearly.

Everything is not as it seems.

It can be a bit unsettling once you realize that in order to live the life you want, you have to go against the grain. But to stay the same is to be a prisoner of consumerism — soon, you too will be a commodity.

Companies want you to be in debt. They are only interested in you for your interest.

By choosing to pay off my student loans early, I am imposing an act of rebellion.

I am rejecting the status quo. I am breaking through the barriers and the beliefs that you have to make a lot of money to do this.

There are others paving the way and showing people that you don’t have to work until you die.

Showing people that maybe there is a better way.

But to find that way — to truly be a financial rockstar — you need to reject the status quo.


Melanie is a freelance writer currently living in Portland, Oregon. She is passionate about education, financial literacy, and empowering people to take control of their finances. She writes about breaking up with debt, freelancing, and side hustle adventures at

Currently she puts more than 50% of her income towards debt, while living a frugal, fun life. In addition to her love of personal finance, art and music, she is also a karaoke master. Follow the adventure @DearDebtBlog.

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24 responses to “Want to be a Financial Rockstar? Reject the Status Quo”

  1. Love this Melanie!! I was definitely a marketer’s dream in my previous life and now that I make smarter money choices, I do feel like I am not living a “normal” life, but I am okay with that because I know I am living a financial rockstar’s life. 🙂
    Shannon @ Financially Blonde recently posted…Music Mondays – Thank YouMy Profile

  2. moneystepper says:

    I’m with you on this Melanie – NORMAL SUCKS!!! 🙂
    moneystepper recently posted…Is It Worth Going To University In 2015?My Profile

  3. “By choosing to pay off my student loans early, I am imposing an act of rebellion.” LOL! YES! This is exactly how I think. It’s too bad that this isn’t how everyone thinks, but for now, I’m fine being the weirdo who rejects the status quo. It’ll be awesome when I’m debt free – that’s for sure!
    Natalie @ Financegirl recently posted…The 3 Best Strategies To Help You Prioritize Your FinancesMy Profile

    • Melanie says:

      It’s true though — most people are okay with just paying the minimum. Student loans are “good debt.” So we are the rebels that will enjoy being debt free sooner rather than later, and make our money work for us.

  4. Kirsten says:

    Love this. Hubs is coming around on his motivation with getting our debt under control. He is not necessarily in the mindset of “live like no one else” though. I’ve noticed that, even though we don’t have cable and we see no TV ads, he’s seeing them online, and the marketing just lures him in!
    Kirsten recently posted…3 Reasons We Needed a New Life Insurance Policy and What We DidMy Profile

  5. That’s why I love the PF community so much. Everyone is so generous with their time and info. It’s a friendly, happy learning atmosphere! Perfect post, Melanie. I just love it! 🙂
    kay ~ recently posted…SPRING CLEANING FOR MINIMALISTS Challenge Part 5! 😀My Profile

  6. So true! I fell into the trap too, mortgage, credit cards etc. I’m teaching my kids differently!
    Brian @ Debt Discipline recently posted…Give ThanksMy Profile

  7. I’m all about redefining the status quo. Living fabulously doesn’t mean what the marketers tell us.
    Stefanie @ The Broke and Beautiful Life recently posted…How To Maximize Your Dollar With the Best Shopping AppsMy Profile

  8. Kassandra says:

    I’ve been marching to my own beat in many ways throughout life but it took me a long time before I railed against the consumerist status quo. I am SO glad I did because the life I can now live is extremely rewarding! Nice post, fellow rebel. 🙂
    Kassandra recently posted…Sunday Sweetness Volume 7My Profile

  9. I’m with you on this! It is seriously disgusting how many ads we are hammered with, day in and day out, to buy, buy, buy. By having AdBlocker installed, not watching TV, and not listening to the radio, there’s a lot less temptation around. Bonus is, by ridding ourselves of those things, we can make time for reading things like this. =)
    Erin @ Journey to Saving recently posted…Being Grateful: Fifty-First EditionMy Profile

  10. Great post Melanie! Ugh man I’m going crazy every time I see Christmas commercial right now because all I keep saying out loud to the TV is, “you don’t need it.” lol! I sound like a crazy person, but I feel better about being the way I am than someone who buys butt loads of stuff they don’t need.
    Tonya@Budget and the Beach recently posted…Health & Wealth Challenge-Week ThreeMy Profile

  11. Yep, normal in the U.S. means spending more than you make and working until you die. Sad, but true. I am happy that I am not pursuing that path. I don’t just want to survive…I want to live!
    Holly@ClubThrifty recently posted…Frugal Travel: Where Would You Go for Five Days?My Profile

  12. Myles Money says:

    Where’s the fun in “normal”?! :0
    Myles Money recently posted…To Hell With Credit Cards This Christmas… Take The #PayCash Challenge!My Profile

  13. Even Steven says:

    I just had a conversation with someone talking about how they only pay $135/month for cell phone plan, like it was a badge of honor, that’s the status quo and I’m out.
    Even Steven recently posted…Saving Money with Republic Wireless-CalculatorMy Profile

  14. Lisa says:


    Reminds me of lyrics I just heard this morning: “Everyday people do everyday things but I can’t be one of them”.
    Lisa recently posted…Links Lisa Likes – MockingjayMy Profile

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