the present

If You Lived Here, You’d Be Home Right Now

photo shows a mountainous horizon and a sign reading "now" and "past" and "future"

Maybe you’ve seen a billboard that goes like this: “If you lived here, you’d be home right now.” I’ve seen them on many road trips, as advertising for local municipalities, tourism boards, rental agencies, and real estate agents.

These signs call out to us, trying to get us to leave the commute, the trip, and the journey behind—to be here, now.

It’s not a bad message, is it?

I’m not suggesting anybody pack and move the next time they see one of these signs, but in our financial lives, we sometimes get stuck in the past. And the costs add up. The past can crowd out the present in many ways. Maybe some of these phrases have shown up in your thinking?

“I should’ve…”

“I would’ve…”

“I could’ve…”

Some folks get stuck on past missteps; others regret not getting their own plan going sooner. Acknowledging our journey to this point is important, but unless it brings us up to the present moment, we’re facing the wrong way for the journey ahead.

Letting the past live rent-free in our thoughts means we spend less time living here, now. “You could be home right now.” The secret? Embracing this present moment.

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If You Lived Here, You'd Be Home Right Now Presents: The Best of Leibman Financial Services

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Did Fleetwood Mac Get It Wrong?


The iconic Fleetwood Mac hit song, Don’t Stop Thinking About Tomorrow, encourages us to believe tomorrow will soon be here, better than before. The focus is always supposed to be on tomorrow.

But if we never stop thinking about tomorrow, we cannot live in the moment, appreciate what we have right now, and fully experience the sights and sounds and feelings of today.

Experts estimate we have 15 billion neurons outside of the brain, most with multiple nerve endings. If you are fully preoccupied with the 85 billion neurons in your head, thinking about tomorrow, you are not feeling the sun on your face, the wind in your hair, the smell of sweet clover, or whatever else may be going on right now. Are you truly living?

As with so many things, perhaps the best answer is in between. Not all of one, not all of the other, but down the middle. When we think about tomorrow, we improve life for our future selves. Planning pays off—that is why we show up for work every day.

But what is it for, if we do not truly live? Living in the moment, feeling life in all its joy and pain is what it means to be human. You may know of someone who pointed so hard toward retirement, worrying and saving every possible dime, that they never could begin to enjoy the present, even after that glorious tomorrow arrived. Tragic.

Our object is not to insult the wonderful classic rock tunes that some of us enjoy—but to promote the idea of balance. We need to think about tomorrow, plan and live an intentional life in some respects. At the same time, we will be happier and healthier, better centered and more well-grounded, if we also stay present in the moment.

Clients, if you would like to talk about this or anything else, please email us or call.