Author Topic: Too rigid with my $. How to be more generous?  (Read 2903 times)

FIREin2018

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Too rigid with my $. How to be more generous?
« on: December 01, 2022, 09:56:46 PM »
I FiRED in 2018 at age 47. (single, no kids)

I went to the casino recently and won a couple of thousand.
i'm now walking around with two weeks worth of paychecks (when i used to work) in my pocket.
(I bring a couple of thousand whenever i goto the casino.)

I then took an Uber to somewhere.
It cost $7.
After the ride, the smallest pre-defined tip amount was $2 on the app.
my 1st thought was 30% tip as the smallest?!?
there's also 'enter custom tip' amount. not worth the effort over $1 so i grudgingly gave $2.

The thought of $2k profit in my pocket never came into my mind.
heck, the thought of being lucky enough to be ok with losing all $4k if i'm robbed also never entered my mind.

Then i read this:
https://www.becomingminimalist.com/more-generosity
“Give what you have. To someone, it may be better than you dare to think.”

How to change my mindset to being more generous?

Dollar Slice

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Re: Too rigid with my $. How to be more generous?
« Reply #1 on: December 01, 2022, 10:44:56 PM »
With tipping on small bills, I like to think of it as the easiest way you'll ever make someone think you're a pretty great person. The lower the bill, the higher the percentage I tip, as a rule. I tip $2 on a soda or juice at a bar, $1 on a free tap water. I'd probably tip $3 on a $7 cab ride, more if they did a good job/were nice. I have a six figure net worth, if I tip an extra dollar I will never think about it again. A lot of people in jobs like that really need every dollar.

A few years back I set a little project for myself on "Giving Tuesday" for the month of December. Every week until the end of the year I would do one thing new/out of my comfort zone that was generous/giving. And then for the final week I would do something like that every single day. It didn't have to be anything big, but not something I'd done before. I wrote about all the things I did on one of my social media accounts as a way to be accountable and to make sure I didn't just thoughtlessly write a check somewhere, but really thought about what I was doing. It led me to reading about a lot of charitable and non-profit causes, and paying a lot more attention to the people around me who could benefit from my help (whether financial or otherwise). Maybe you could try something like that?

Freedomin5

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Re: Too rigid with my $. How to be more generous?
« Reply #2 on: December 02, 2022, 02:38:15 AM »
I don’t look at percentage. I consider what the person could buy with that amount. So I would tip enough for a “Starbucks coffee” or “a cheap breakfast”, for example.

It also helps to put yourself in others’ shoes. How would you feel if you were the Uber driver and the passenger tipped $0.50 (or whatever amount)?

charis

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Re: Too rigid with my $. How to be more generous?
« Reply #3 on: December 02, 2022, 05:30:13 AM »
You really do have to put yourself in the Uber driver's shoes.  It's also well known that drivers are very underpaid for their time and uber isn't a great company.  I never use Uber but I always tip rideshare drivers well.

Metalcat

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Re: Too rigid with my $. How to be more generous?
« Reply #4 on: December 02, 2022, 05:33:09 AM »
I would take a larger view and do something to modify your perspective of your place in the world.

Maybe do some volunteering? Spend some time with people who can help you frame just how fortunate you are?

GilesMM

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Re: Too rigid with my $. How to be more generous?
« Reply #5 on: December 02, 2022, 05:54:36 AM »
I do the same. I go to my favorite coffee roaster for a $4 coffee and a $16 bag of beans.  The kiosk defaults to 20% tip or $4 and I am outraged. Speechless. I see it as a 100% tip on the cup of coffee since the beans are just a grocery item.  But the coffee shop is amazingly high quality. The beans are roasted on site and are the best in the state if not the region. The tasting room hosts are wonderful to me and everyone I have brought there for a cup. So, I forget the percents and figure a college kid making me an amazing latte with a smile deserves at least a $2 tip.

BikeFanatic

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Re: Too rigid with my $. How to be more generous?
« Reply #6 on: December 02, 2022, 06:16:19 AM »
I echo Malay and say, think about where you are in relation to everyone else. How many people have the security to be able to retire at all, nevermind at 47.
I practice gratitude, 10 things I am grateful for, every morning. I also think of the man in his 50’s raking the beach in Mexico, or the crowd at the bus stop, in the pouring rain, no cover, waiting for the bus to go to work, in jeans.

LifeHappens

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Re: Too rigid with my $. How to be more generous?
« Reply #7 on: December 02, 2022, 07:24:57 AM »
At some I realized generosity is a habit that needs to be cultivated like anything else. In your example, you could start by tipping the $2, but next time challenge yourself to tip $3.

I personally started giving to a select few charities with a small monthly donation and then stretched myself to donate a bit more, then a bit more. Have I missed the money? Not at all. Has it helped make me a tiny bit better person? Yes.

charis

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Re: Too rigid with my $. How to be more generous?
« Reply #8 on: December 02, 2022, 10:16:20 AM »
At some I realized generosity is a habit that needs to be cultivated like anything else. In your example, you could start by tipping the $2, but next time challenge yourself to tip $3.

I personally started giving to a select few charities with a small monthly donation and then stretched myself to donate a bit more, then a bit more. Have I missed the money? Not at all. Has it helped make me a tiny bit better person? Yes.
This. Money is a tool and my shed is full. I can well afford to help make someone else's life a bit better that day and never miss the dollars. Why do you think you are hoarding your wealth?

This.  Anytime I remember the feeling of someone being unexpectedly generous to me (which I try to do whenever I tip, or something similar), I think, I want to be the person creating that feeling for someone else.  And maybe they will feel like being that person in the future if they are able to.

Villanelle

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Re: Too rigid with my $. How to be more generous?
« Reply #9 on: December 02, 2022, 10:40:28 AM »
Do you adhere to a budget?  If so, could you add categories for tipping and charity, making both of those generous amounts?  For some people, that give them mental 'permission' to spend that money. 

FIREin2018

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Re: Too rigid with my $. How to be more generous?
« Reply #10 on: December 02, 2022, 01:31:30 PM »
Money is a tool and my shed is full. I can well afford to help make someone else's life a bit better that day and never miss the dollars.
Why do you think you are hoarding your wealth?
habit of savings before i FiRED.

i have no problem picking up $100+ check when having dinner with a few friends.
yet in my OP, a $1 overtip to the Uber driver gave me pause.
No idea why but i would like to break that now i dont need to save

honeybbq

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Re: Too rigid with my $. How to be more generous?
« Reply #11 on: December 02, 2022, 01:40:31 PM »
Maybe try reading Die With Zero.

It definitely offered a different perspective.

jeninco

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Re: Too rigid with my $. How to be more generous?
« Reply #12 on: December 02, 2022, 02:20:22 PM »
To answer your original question somewhat, I try to remember that we're really freaking rich, and make ethical decisions from that mindset. So, wasting cash on something we don't enjoy? Nopity nope.

Reasonable tips to baristas -- definitely! I don't go out for coffee often, but when I do I'm happy to tip the folks that make it a lovely experience.

Similarly, we do lots of house projects and maintenance ourselves, but the guys that came to rout out the main drain three days before Thanksgiving (after we'd emptied all the drain-outs inside the house, so we knew the problem was outside the foundation?) -- $50 tips each, along with however much they charged us: those guys lowered 200 lb of equipment into our crawlspace and saved both our Thanksgiving dinner and our backs.

My kids have worked food service jobs, and way back in the day I worked a retail job, and I rejoice in the fact that I'm now wealthy enough to pay it forwards to people who work those kinds of customer-service-intensive jobs.

(Slightly similarly: when Frontier went to un-padded seats with so little space between rows that I can't read even with reading glasses, I decided "fuck it, I'm rich, I can afford another $50-ish/person to fly literally any other airline")

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Re: Too rigid with my $. How to be more generous?
« Reply #13 on: December 02, 2022, 03:00:22 PM »
I find myself in full agreement with all the advice that is being offered here. However, I also struggle with this same concept from the standpoint of establishing increasing levels of expectation (Hedonic Treadmill type shit). If an industry expects a 15% tip, 20% may be considered generous. But once 20% becomes the norm because enough generous folks want to make someone's day, 15% is considered stingy. Then 25% is considered generous until 25% becomes the social standard, and 20% is considered stingy. And so forth. I fast-forward to 2035 in my brain and visualize people complaining about the dude that only left a 50% tip.

Generosity is one of the qualities I admire most in other human beings, and yet, entitlement is one of my least admired. And the resetting of social expectations (toward entitlement) that continued generosity can result in is difficult for me to reconcile sometimes.

I fully know I'm a cynic in this regard -- 100% cannot dispute that. And by no means would I ever want to advocate to anyone to be less generous.  This exact cognitive dissonance is why I far prefer to volunteer time. I get to make someone's day without my cynical psychology simulations playing out in my head.

I love that so many of my peeps here are generous and making people smile out there.

sourdough

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Re: Too rigid with my $. How to be more generous?
« Reply #14 on: December 02, 2022, 03:43:34 PM »
I think back to my youthful days working as a waitress and also a hotel housekeeper.  Generous (or any!) tips back then would've been so appreciated and helped when finances were very, very difficult.

I  generously tip (especially hotel housekeeping staff) these days as a way of paying it forward.  It also helps me appreciate how very fortunate I am to be able to do so.

FIREin2018

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Re: Too rigid with my $. How to be more generous?
« Reply #15 on: December 03, 2022, 03:20:04 PM »
Money is a tool and my shed is full. I can well afford to help make someone else's life a bit better that day and never miss the dollars.
Why do you think you are hoarding your wealth?
habit of savings before i FiRED.

i have no problem picking up $100+ check when having dinner with a few friends.
yet in my OP, a $1 overtip to the Uber driver gave me pause.
No idea why but i would like to break that now i dont need to save

To poke a little bit at your answer ...
although a nice thing to do, picking up your friend's dinner tab probably doesn't have much of an effect on their life. It's also 100x more dollars than throwing an overtip at the Uber driver ... so it's not about saving money but who you are sharing your wealth with.
What do you think is behind that?
i dont know the uber driver.
so i stick with the social norm of 15% tip.
and hate the slippery slope/entitlement of 20% tip is now expected.

note:
i dislike tipping to begin with.
it's an awkward experience for both me and the server.
« Last Edit: December 03, 2022, 03:22:03 PM by FIREin2018 »

charis

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Re: Too rigid with my $. How to be more generous?
« Reply #16 on: December 03, 2022, 03:47:48 PM »
Money is a tool and my shed is full. I can well afford to help make someone else's life a bit better that day and never miss the dollars.
Why do you think you are hoarding your wealth?
habit of savings before i FiRED.

i have no problem picking up $100+ check when having dinner with a few friends.
yet in my OP, a $1 overtip to the Uber driver gave me pause.
No idea why but i would like to break that now i dont need to save

To poke a little bit at your answer ...
although a nice thing to do, picking up your friend's dinner tab probably doesn't have much of an effect on their life. It's also 100x more dollars than throwing an overtip at the Uber driver ... so it's not about saving money but who you are sharing your wealth with.
What do you think is behind that?
i dont know the uber driver.
so i stick with the social norm of 15% tip.
and hate the slippery slope/entitlement of 20% tip is now expected.

note:
i dislike tipping to begin with.
it's an awkward experience for both me and the server.

20% is the norm for tipping. I don't understand your answer about not knowing the server - you don't tip your friends simply because they are your friends. You tip people who serve you because that's how the service industry is set up in the US and they depend on tips to survive. You really just sound stingy at this point.

Villanelle

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Re: Too rigid with my $. How to be more generous?
« Reply #17 on: December 03, 2022, 04:28:47 PM »
You can both "hate the slipper slope of a 20% tip" system and still give a generous tip.  I wish the US was more like japan, or at least Europe, where there is either no or minimal tipping.  That would make so much more sense.  Just charge me 20% more for my food and pay your servers well.  But that's not reality, so I'm not going to be cheap and stingy with a couple dollars that make almost no difference to me.  It's not the servers' fault that they system is ridiculous.  If I didn't want to give reasonable (by outside standards) tips, then I wouldn't use those services.  If you resent tipping your Uber guy a reasonable amount, don't use Uber.  If that's not plausible, then clearly they service means something to you, in which case you should pay the expected amount, which you can easily afford. 

Fish Sweet

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Re: Too rigid with my $. How to be more generous?
« Reply #18 on: December 03, 2022, 04:44:29 PM »
Considering how little the minimum wage has gone up, even as inflation has ballooned, is it really entitlement for expected tip percentages to have risen too? People in these incredibly necessary service jobs are not being paid enough to survive. I don't love that whether service job workers take home enough to pay rent and eat is dependent on the whims of the fickle public, but unless there's pressure upon greater forces to make the minimum wage also a living wage, that's just kind of how it goes.

I am very VERY far from FIRE and I tip 20-25% in every tip-appropriate interaction that comes along, sometimes higher if the service was exemplary. I don't say this to brag, although this is a habit that I had to work hard to cultivate because I too was very very stingy and it took a lot of mental reframing to pull away from that mindset. These days, I try to come at it with a perspective of gratitude, and I think that helps with severing the push-pull feeling of 'are they feeling entitled to $$$' and 'i'm paying X amount for this service, not X + 25%, i feel pretty cheated.' 

Part of it is in gratitude for my luck and for what I have: I have enough that a few dollars here and there will make a difference only to my investment accounts, not to whether or not I can pay my rent this month. It's also out of gratitude for the people out there doing the job so that I can have my quick and convenient ride to the airport, trashed swept off the streets, my hotel bedsheets changed, or a hot coffee in my hand on demand, food ferried to my table with a smile and the dishes washed out of my sight. That they are just doing their jobs doesn't make me any less glad for the work that is done, and how it makes my life easier, more convenient, and more pleasant.

FIREin2018

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Re: Too rigid with my $. How to be more generous?
« Reply #19 on: December 03, 2022, 07:10:27 PM »
Yeah, I hear ya. I also hate tipping AND appreciate the (likely) underpaid work someone is doing for me.
 So, like others have shared, I focus on the fact that $5-$10 a couple of times a week for me is nothing but might make the difference between being able to afford three meals vs just two that day for someone -- i.e. the impact of the money instead of getting caught up in tipping philosophy.
Thx.
I'll try that thinking

FIREin2018

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Re: Too rigid with my $. How to be more generous?
« Reply #20 on: December 03, 2022, 07:13:46 PM »
Maybe try reading Die With Zero.

It definitely offered a different perspective.
Thx.
Found a 4min summary here:
https://fourminutebooks.com/die-with-zero-summary/

rmorris50

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Re: Too rigid with my $. How to be more generous?
« Reply #21 on: December 03, 2022, 08:22:25 PM »
The fact you are asking this question is great, which means you are self aware and you’ll surely find a way to be generous. Lot of good advice already given. I try to empathize and put myself in others shoes.

I wonder if your “issue” could be more with the tipping model vs being generous. I really hate that businesses just don’t pay their employees the appropriate wage and increase their price. But business will always want to post the cheapest price possible and thus love the tipping model. It also diverts attention from the employer and directs employees’ discontent more towards the customer.

Tipping has lost all meaning as well. Our tips really don’t reflect how well the service was, it’s basically always 20 percent. If I give 15 percent you were basically 100% incompetent.


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