HowTo:Wake up from Sleepwalking
The Middle-Class Dream Is a Lie: Wake Up Before Your Mortgage Eats You Alive
“A house is someone’s dream. But a mortgage? That’s your slow-motion nightmare signed in ink.” — MoNoRi-Chan, the Debt-Dodging Dream-Slayer
In a society where your net worth is tied to your car model and how Instagrammable your living room is, millions are still sleepwalking through a performance of ‘success’—marching proudly toward burnout while dragging 30-year loans and overpriced school bills like Gucci-branded shackles.
Welcome to the sleepwalk culture where everything looks like success—but smells like debt, pressure, and generational guilt.
Chapter 1: Homeownership or Financial Hospice Care?
Ah yes, the Great Dream: Own a house, live happily ever after!
Except no one told you that the “happily ever after” comes with:
- Interest payments that age better than wine
- Maintenance fees that hit harder than midlife crises
- 30 years of financial servitude to a bank that wouldn’t bail you out of a burning building
Reality check: That “dream house” isn’t yours—it’s the bank’s. You’re just house-sitting until retirement or death, whichever comes first.
Buying a home isn’t wrong. But doing it because society says “if you rent, you’re a loser” is like buying a yacht in a desert because everyone else did.
Ask yourself: Are you buying comfort, or just a concrete ego boost?
Chapter 2: Your Kid Doesn’t Need to Go to Hogwarts
So you enrolled your 5-year-old in an international school that costs more than your annual salary in 2003.
Because why not? “Education is an investment,” they say.
But here's a secret:
Overpaying for education doesn’t guarantee success—just that you'll be broke while they’re figuring life out on YouTube.
Don’t get it twisted: giving your child a chance is good.
But sacrificing your entire future for the illusion of elite opportunity is like buying a golden birdcage and hoping they learn to fly.
And if you're skipping retirement savings to pay for their school? Congrats—you’re just setting up your kid for a double major in “student debt” and “parental caregiving.”
The best education? Letting your kid watch you chase your dreams and build something meaningful.
Chapter 3: Life Rewards or Capitalist Chains?
Here’s the scene:
- You hate your job
- You live paycheck to paycheck
- But hey, at least you’ve got a new Benz and a trip to Switzerland on your credit card
That’s not winning. That’s gilded misery.
We’ve been sold the lie that “treating yourself” is self-love.
But when “rewards” = more debt, and “luxury” = a lease you can’t afford to miss, what you’re really doing is upgrading your prison cell.
A better life doesn’t come from more things.
It comes from having the freedom to say “no,” the time to think, and the peace of mind to live without fear of the 25th of every month.
So How Do You Wake Up?
- Unlearn the myth that success = house + kid in expensive school + car you can’t afford
- Redefine wealth as time, freedom, and not having to fake it
- Invest in yourself first—retirement, passions, purpose. Kids learn more from your actions than your tuition receipts
- Remember: You weren’t born to be an economic engine for corporations, banks, and overpriced private schools
Stop sleepwalking.
You don’t need a mansion to be happy.
You don’t need a designer label to feel worthy.
And you don’t need to bankrupt yourself to be a good parent.
What you need is clarity: That real success isn’t about owning stuff.
It’s about owning your life.
And trust MoNoRi-Chan on this—mortgage-free naps hit different.
