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 Minute Read

Noticing the Water: Seizing Opportunity from a Crisis

January 2, 2025

By 
Joseph Kuo
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By 
By Farther

A fish lives in water 100% of the time, making it its natural environment and all that it knows. So, would a fish even notice that it lives in water?

As creatures of habit, we’re similar to fish in water in that we are often immersed in a set of familiar habits and living patterns – our “water,” so to speak. It’s what we know and what we do every day. It’s an environment in which we are comfortable.

When we’re comfortable or “dialed in,” our living routines can be very smooth and efficient. The trade-off is that when we get set into a routine, it makes it hard for us to see and consider things outside of our routine that could make our lives better.

It often takes a major crisis to break us out of our routines and make adjustments. The key is that, when such a moment comes, to look at it not as not just a temporary interruption to a “norm” we must return to, but a nexus point and an opportunity to reassess our lives and consider new possibilities.

When we do so, we can take advantage of something commonly considered negative (job loss, pandemic) and turn it into at least a personal positive (new business, work that allows more time with family). Instead of wondering, “When can I return to my previous life?”, consider questions such as:

  • Am I happy with how things have been going?
  • Is there anything else I have been thinking about trying?
  • Are there other choices available now that I wouldn’t have noticed or been able to entertain because of my previous routine?

If you find yourself asking questions like this, there’s usually a good reason. Don’t ignore them or push them aside. When such a window for change opens up, don’t let it slip by. Once you return to your former routine, you will have missed an opportunity to make a change that could positively affect your life.

I had a client who worked at a large investment firm. When the pandemic hit, he had to shift from his well-ingrained daily routine of commuting to the office to now working at home. Slowly, he discovered he enjoyed the freedom and flexibility that working from home gave him. When his firm started calling people back to the office a couple of months ago, he realized that he preferred his new routine to his old routine. He first met with me to ask if it would be financially viable. After we ran the numbers, he decided that he would instead leave the firm and start his own home-based practice.

The forced change in environment caused by the pandemic made him break out of his old routine; it made him “notice the water” and let him become aware that there were other choices. It showed him another path.

However, finding another path is not always obvious. Often, the realization that there is a better way is the culmination of a thought process.

Take the story of another client of mine. This client was an engineer working at a Silicon Valley startup, making great money but putting in 80-100-hour weeks. With such an intense routine, there was only room for a singular focus on the work at hand.

It took the pandemic to finally break him out of the routine. Once he realized that he could work at home, he asked himself, “Do I still have to live in the same area near my company?”

This led to him thinking, “if I could live elsewhere, do I need to make as much money to maintain my desired standard of living? If I don’t need to make as much money, could I do something else and be just as happy – or even happier? Could I start my own business and work on a topic of personal interest?”

After working with me to make the necessary adjustments to his finances to support such a move, my client ultimately started an at-home business in partnership with his spouse. As you can see, in this case, it wasn’t necessarily a single “aha” moment but a train of thought starting with the crisis breaking the routine. Once broken, that first change leads to following possibilities that open the door wider to more possibilities.

Unlike a fish, which can’t live out of water, we can – and, by doing so, we often improve our lives in the process.

Major events that disrupt our habits force us to break from our routines and norms. The silver lining is that they also force us out of our comfort zones and give us a window of opportunity to reassess our situations and see if there are other choices that could improve our lives. When such an opportunity comes along, give it a chance – it could lead to something that makes your life even better.

Joseph Kuo

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Principal, Wealth Advisor
After 15 years in corporate finance, Joseph started his own financial planning practice in 2018 to pursue his passion: guiding others toward financial success and well-being. Today, he helps clients find happiness and well-being through financial and life planning. Joseph firmly believes that while money is important, life’s goals hold greater significance – and achieving these goals requires more than simply entering numbers into a financial plan. Exploring life aspirations, creating and implementing a plan, and continually adapting that plan as circumstances change are all critical steps to ensuring success.
After 15 years in corporate finance, Joseph started his own financial planning practice in 2018 to pursue his passion: guiding others toward financial success and well-being. Today, he helps clients find happiness and well-being through financial and life planning. Joseph firmly believes that while money is important, life’s goals hold greater significance – and achieving these goals requires more than simply entering numbers into a financial plan. Exploring life aspirations, creating and implementing a plan, and continually adapting that plan as circumstances change are all critical steps to ensuring success.

After 15 years in corporate finance, Joseph started his own financial planning practice in 2018 to pursue his passion: guiding others toward financial success and well-being. Today, he helps clients find happiness and well-being through financial and life planning. Joseph firmly believes that while money is important, life’s goals hold greater significance – and achieving these goals requires more than simply entering numbers into a financial plan. Exploring life aspirations, creating and implementing a plan, and continually adapting that plan as circumstances change are all critical steps to ensuring success.

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