Time -> Space -> Agreements -> Money

Welcome to this month’s newsletter.

From high school physics, we learned that time and space are intertwined. You can’t speak about space without time, or time without space, and we now refer to the two together as space-time.


What is even more interesting is that Albert Einstein discovered that time is not the same for everyone, it depends on the speed you are travelling. For example:

  • If you and I are sitting face to face at a table, and we both wear a watch reading the same time, and I suddenly take off travelling faster and faster towards the speed of light, my watch will slow down dramatically in comparison to yours.
  • This theory has been proven from clocks running slower at the top of a mountain or inside a space station traveling around the orbit, because their travelling speed is faster than the speed of a clock sitting on the ground.

So as much as we think we share the same time, in reality, you have your time and I haveBill’s time. Because our speed of travel relative to the speed of light is almost identical, between one another, we often do not know that we actually follow different time.


Remember, we can’t talk about time without space, or vice versa?

If you have Your Time, then you must have Your Space. If I have Bill’s Time, then I must haveBill’s SpaceYour Space doesn’t exist without Your TimeBill’s Space doesn’t exist withoutBill’s Time.

Again, because we seem to live in the same 3 dimensional space, we often assume that we share the same space, but that is not true. Let me explain.

For example, I am aware of a cup sitting on my desk while I am typing this article, let’s call this cup Bill’s Cup. The reason why I am aware of Bill’s Cup is because I have spent Bill’s Timepaying attention to it in the past or at the present, hence Bill’s Cup is now part of Bill’s Space.

Before you read this article, you haven’t spent any of Your Time on Bill’s Cup, you are completely unaware of the existence of Bill’s Cup, hence Bill’s Cup was not part of Your Space, but it is only part of Bill’s Space.

I must apologize for putting junk into Your Space after telling you about Bill’s Cup which takes up a bit of Your Time. Since Bill’s Cup has no value to you apart from taking up Your Space☺.  To free up some of Your Space, could you please now remove Bill’s Cup from Your Space?

Could you ☺?

You can’t really, once you have spent Your Time on Bill’s Cup, you have included Bill’s Cupin Your Space.

Can you see that everyone has a very different space depending on how they spend their time?

Here are a few examples:

  • The husband may not notice the new handbag the wife has bought.  This is because the husband’s space may be full of cars, sport, work problems or enemies to be conquered ☺.  In fact, all handbags may look the same to him as he hasn’t given much of His Time to create the Space for handbags.
  • A stay at home wife may not notice any career achievement the husband has made from his work.  This is because the wife’s space is full of kids, housework, husband’s weaknesses or girlfriends’ problemsJ.  In fact, all his work achievements may look the same to her as she hasn’t got much time to create the space for it.
  • You would assume someone like Warren Buffet’s space is full of financial knowledge, experience and networks to make him more and more money.  Bill Gate’s space would be full of technology and world poverty issues.  My 5 year old son’s space seems to be full of stuff that is edible ☺.  We may know what is in our space, but we don’t necessarily know what is in other people’s space.

Can you see that while we seem to live in the same 3 dimensional space, in reality, we create our own separate and individual space by putting time into them, hence it is fair to say thatYour Space is full of stuff that you put Your Time into.

Following this principle, it may be wise to not pay attention to other people’s bad points and only pay attention to their good points. This is simply because whatever we choose to put our timeinto, we bring into ☺. Why not bring in only the good points into Our Space ☺?


What gets to go into Your Space is an interesting subject.  I know most people wouldn’t mind allowing more money into Their Space ☺.

Let’s assume that there are a set of agreements that determines what goes into Your Space, and what doesn’t.  For example, if you have the combination of the following two agreements:

  • Money is the root of all evil;
  • I am no evil.

Then you will prevent money coming into Your Space at all costs so that you can be no evil.

When you were born, there were quite a lot of agreements already in place in Your Space, such as; how your heart should function, who your parents were, etc.  At least from a conscious point of view, you didn’t seem to have much say over what these agreements should be.  But as you grow older, you have more and more say over what agreements you will accept. You can change the unworkable agreements into more workable ones if you are aware of their existence.

Let’s examine the power of some of our agreements.

  • If one of your agreements is “lying is bad”, when you happen to lie about something, regardless of whether it’s well intentioned or not, you will judge yourself unconsciously and consider yourself somehow ‘bad’ and if you have another agreement saying “only good people deserve to have wealth,” you shouldn’t be surprised to see you bring on self punishment to sabotage your financial success.
  • If one of your agreements is “I must be right”, with the underlying agreement of “I am wrong” in the first place.  Then the constant need to right the wrong can put you in situations that make you wrong first, so that you can have the opportunity to ‘make it right’.  Sometimes people can go out of their way to put themselves in the ‘wrong’ financial position, so that they can ‘make it right’.
  • If one of your agreements is “I must be perfect”, with the underlying agreement of “I am not good enough”.  Then the constant need to make yourself perfect can put you in situations that make you imperfect first, so that you can have the opportunity to ‘make it perfect’.  We often see perfectionists are constantly looking for imperfection to fix, they can become problem magnets, i.e. wherever they go, problems follow them to be made perfect ☺.
  • If one of your agreement is “I must have lots of money”, with the underlying agreement of “I don’t have enough money”.  Then the constant need to have more money can put you in situations of chronic shortage of money, so that you can have the opportunity to ‘have more money’.  It has been said that in a relationship of two, the one that needs the relationship least ultimately controls the relationship.  So in the relationship between you and money, you can only become more powerful with money if you don’t have to have it ☺.

Can you see some of these agreements are not necessarily workable, they sometimes even lead to undesirable results?  To turn this around, we can try changing them.  For example:

  • Change the agreement “I must be right” to “I am already right”;
    • People often spend a whole life time trying to be right, with the assumption somehow believing that we were wrong in the first place.  What if there is nothing wrong and just differing viewpoints?
  • Change the agreement “I must be perfect” to “I am already perfect”;
    • We can also spend a life time trying to be good or perfect, with the assumption somehow believing that we were bad in the first place.  What if there was nothing bad about us and just an agreement we accepted long time ago ☺?
  • Change the agreement “I must have lots of money” to “I already have lots of money”;
    • Half the world’s population makes less than $2 a day, so we can all say that we already have lots of money.  Saying so doesn’t prevent us from having more money, we are here simply to accept and appreciate what we already have.  We get more of what we appreciate anyway.

I know some would suggest the following:

  • Change the agreement “Lying is bad” to “Lying is good”.
    • So that we can feel good about lying, whenever we think it’s convenient to lie.The problem is that if you really take on this new agreement, then you are going to have problems when you are not lying, which is most of the time for most people.So by changing to this new agreement “Lying is good” it is less workable than the agreement “Lying is bad” as it makes you wrong more often than not.So maybe it is more workable that we keep the old agreement “Lying is bad” and try not to lie to avoid making ourselves feel guilty.


A human being is the only animal that will bring on self-punishment when we think we are bad and we often punish ourselves over the things that we want the most too.  Hence keeping plenty of guilt is a sure way to not have any wealth for those who want to have more wealth.

We should have a set of workable agreements and spend enough of Our Time to allow money in Our Space.

What is considered workable can also be a very subjective matter. Is it long term workable or short term workable?

For example, not spending any money on anything is short term workable, but not necessarily long term workable. We may need to invest in education and pay for good advice for long term prosperity.

This makes wealth creation sometimes more of an art form than a science, hence it is not easy to get it right and everyone has their own way, you can’t simply copy other people’s formula.

Another interesting by-product of agreements is that we can easily use them to judge other people’s behavior to make others wrong and ourselves right.

Let’s say you have an agreement “money must come from hard work and long hours”, and it has proven to work well for you.

When you see someone married into wealth or make their money much easier than you, you may simply assume that they must be doing something wrong to get it because they violate your agreement with the world.

When we make others wrong, others will make us wrong in return. The fastest way to draw punches to ourselves is to punch others.

If you do not want to change your agreement “money must come from hard work and long hours” as it has been working for you, it may still be worth it to come up with another agreement “different people can make their money differently”, so that you can make your money through hard work and long hours in Your Space, and let others make their money in their own way in Their Space.

What goes around comes around. If we do not allow other people to make their money in their own way, then we won’t be allowed to make our money in our own way either. So accepting others can be an important factor in having more money ourselves. In fact, the happier we are about others making good money, the more likely we can be making our own.


What we can put into action are really the following two simple steps:

  1. Examine your existing agreements and make them more workable if necessary;
  2. Try not to violate your workable agreements so that you can be guilt free most of the time.

I must say that these are easier said than done, they are life long tasks that require persistent effort.


1300 663 836

Can a SMSF help you achieve your goals?

Go to our Events to book your place in a SMSF Workshop near you

Click here to download the Property Advisory Guide

follow us

Investors Direct Financial Group

Investors Direct Financial Group (IDFG) was established in 2001.
Our mission is to help our clients achieve and maintain their financial freedom.

Members of the IDFG Group include:
  • Nanmon Financial Services Pty Ltd, trading as Investors Direct Financial Group (ABN: 52 097 697 820 ; ACL: 402950)
  • ID Property Advisory Pty Ltd (ABN: 69 141 716 412 ; Real Estate Licence: 071792L)
  • Investors Direct Financial Planning Pty Ltd(ABN: 50 141 139 228 ; AFSL: 385827)
  • 8 Star Homes Pty Ltd (ABN: 83 135 066 876)