What If Everything I Ever Wanted Became A Reality

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Have you ever dreamed of something and then later realized that is not exactly what you want?

I have many of those dreams throughout my past 30 years of existence.

At one point, I thought that I desired something so badly that I could give up almost everything that I had for it.

But later on, I found out that it wasn’t something I wanted in life.

Today I will tell you four of those dreams that I am kinda of glad didn’t actually come true.

The Wall Street dream

That first year in college, I was a young, naive, yet determined freshman who just traveled halfway across the world from Vietnam to attend college in America.

I had no family in the US. I came here with luggage full of pink clothes (my favorite color in middle school and high school). Let’s just say that my taste in fashion has changed.

Prior to coming to America, I had thought about what I wanted to study and what I wanted to be post-college.

I even wrote about that in my application essay.

I went to a college which is not far from New York, and many people studying the same major as me at the time couldn’t seem to stop talking about how to get a job on Wall Street.

After all, New York City was only a bus ride away, and the pay and prestige of a Wall Street job were (supposedly) good.

Almost every conversation that I had or heard revolved around how to get in touch with someone working for the largest investment banks (JP Morgan Chase, Goldman Sachs, Morgan Stanley) and the biggest consulting firms (i.e. McKinsey, Deloitte, PricewaterhouseCoopers).

Living the Wall Street dream

I didn’t go to an Ivy league school. I didn’t even apply to Ivy league schools because I knew I wouldn’t get in.

I didn’t have the perfect SAT score or the perfect GPA. I knew who and where I was, and I just rolled with it.

Landing an internship or a job at one of those big firms would be me being reborn and getting accepted to an Ivy school. I would make myself and my family proud (although my parents didn’t even know those companies even existed).

I was consumed with desire and determination. I read all the interview and case studies books I could get my hands on. I was preparing myself for job interviews when I was a freshman in college. It was never too early or too late to start.

However, one thing didn’t work out quite perfectly. I didn’t do so well in my Financial Accounting class. I even hoped to work at KPMG one day, so the thought of not being good at something I wanted to do for the rest of my life left me devastated.

One requirement for the Finance track in my college was the Financial Theory course which people told me would be much more difficult than Financial Accounting. It was daunting to hear.

That summer after my freshman year, I went back to Vietnam to do an unpaid internship at a regional investment bank and did not like the experience one bit.

My boss at the time, a Wharton-educated Chinese American lady who had worked on Wall Street for seven years expected me to show up at 8 AM and stay in the office until 10 PM or even later.

I got burned out fast after 1 month. By the time the internship was over, I knew investment banking wasn’t for me. I liked the sound of the prestige and high pay. I liked the big names that would make anyone go wow.

But I didn’t like the work. I felt miserable. That put an end to my investment banking dream.

I was glad I figured it out sooner than later and changed my career aspirations. I can’t imagine what my life would be like if I had done what I did at the internship for the rest of my life. I have to admit that sometimes I still wonder if things would have been different and made me happier had I stuck it out.

Maybe things would get better at an investment bank in the US. Maybe I would feel more motivated with a real pay. But I just didn’t want to continue down that path anymore.

However, sometimes the thought of working on Wall Street still leaves me wondering if I made the right choice. It was definitely not easy to land an internship or a job on Wall Street.

Plus, I graduated in 2009 in the midst of the 2008 recession. People in finance were getting laid off left, right, and center.

It wasn’t the right time for someone with a degree in Economics to look for a job in the field, especially considering the fact that I wasn’t an exceptional student either.

Related: When You Are Ashamed Of Being Poor

The PhD in Political Science dream

I once thought I wanted to be a professor.

When I was in school, I loved getting good grades. It was like a drug that I couldn’t get off of.

Good grades to me at the time was how I could validate myself and seek approval from other people, especially my professors and my family.

Sometimes I also felt that my friends looked at me or treated me differently based on the grades I got in a certain class.

I don’t know if it was just an illusion I created for myself. But it just seemed so real at the time.

Having some electives for my major, I decided to take some Political Science courses to fill in the gaps. My parents are no politicians, and I had never dreamed of being involved in politics.

Compared to all the Chemistry, Biology, and Psychology classes, I just thought Political Science would make my life easier.

When I was in Vietnam, I watched CNN International almost every day to practice my English listening skills, and some of the content started sinking in without me even realizing it. I thought politics was kind of interesting.

As the story goes, I did pretty well in those courses, and I still have no idea why. I don’t even remember much of what I learned. I just remember being able to contribute to the discussion in class and getting good grades on exams and papers.

It made me so happy that I decided to pursue a PhD in Political Science, thinking that that happiness would last forever. But life is not what it seems. Taking college courses was totally different from deep-diving into all the political theories and methodology to test such theories in a PhD program.

I found myself drowning in the workload and was not at all satisfied with the grades that I got. I passed all the qualifying exams after my second year, but I just couldn’t bring myself to finishing the dissertation. The thought of writing research papers for the rest of my life and teaching college students just sounded mysteriously depressing to me.

Eventually, I made the difficult decision to drop out. I felt miserable before leaving the program. However, once I came to DC to start a new life, my life turned over a new leaf.

I felt so much happier and found the true cause that I was looking for. I was no PhD holder, but I was happier. And that’s all that mattered at the time.

Related: The Poor Life Of A PhD Student

The World Bank dream

Washington DC – home of the World Bank

One reason why I decided to come to DC was to be able to work at the World Bank one day.

I was one of the three finalists for a full-time position at the Bank but didn’t get an offer. I was devastated at the time since once again my dream didn’t come true.

I seriously wondered what I was good at in life and whether I could ever achieve any goals that I set for myself.

The job rejection was a blow to my self-esteem and belief in humanity.

However, I didn’t let it stop me from pursuing what I wanted to do. Mr. FAF was cheering me on and stayed by my side during that process.

When I got an offer from my current employer, I was ecstatic. I felt so happy they took a chance on me and gave me an opportunity to prove myself.

Later on, I found out that working in technical positions at the World Bank would require a lot of traveling, something I am currently not able to do just yet.

Our son is only three and a half, and he was away from us for more than a year. I want to use this time to take good care of him instead of traveling internationally half of the month.

We are also expecting our second baby soon. Until our children grow up and can take better care of themselves, I just don’t feel good leaving them at home with Mr. FAF to travel for weeks at a time. I will definitely revisit my dream of working at the World Bank in the future.

Related: Our Big Announcement & 5 Future Financial Plans

The “first love” dream 

A wedding at 22? I don’t think so.

I’m not sure if I should even include this story in this post since everything I’ve listed so far seems career-oriented.

But I decided to tell you this story since it was indeed a previous dream of mine.

I didn’t really date anyone until after I started graduate school.

At that time, I was lonely in a new place and felt like I couldn’t fit in with other people in the doctoral program.

I put first love in parentheses since I still don’t know if it was love or a mix of emotions that I had at the time.

To make the long story short, I overlooked many of the red flags the guy was waving to me and believed he was the one.

It wasn’t until after we parted ways that I realized he was not. I couldn’t picture what my life would have been if I had married the guy instead of Mr. FAF.

Looking back on what happened, I have to admit the breakup was tough for me amidst all the academic chaos going on in my life.

However, I am glad my wish to marry him didn’t come true, and that I have found the love of my life – Mr. FAF – after all the turbulence.

Related: Interview With Mr. FAF – Husband Of A Personal Finance Blogger


I’d be lying if I say I don’t wish the dreams above (except for the “first love” one) didn’t come true. In other words, sometimes I still wonder what my life would have been like if I had been able to work on Wall Street, finish the PhD program, and work at the World Bank. I think I’d be able to wow a lot of people.

Those dreams might not have happened at the same time, but they could happen consecutively. I could then see for myself if I had wanted those positions or not.

Yet, at the same time, my lifetime is not unlimited. We all have to die one day, and I don’t know if I want to spend at least 10 years of my life trying to figure out what I actually want in life.

All I know is that I am now happy with a family that I love, a job that I like, a personal finance blog that I’m passionate about, and a financial trajectory that will land Mr. FAF and me in the millionaire club one day.

We can all ask for the moon, but it’s not a guarantee that we will be happy if we get it. I am a strong believer in having dreams and working hard for them. I will tell my children the same thing: Unless they work hard at what they want, chances are it will never happen.

Things might not have worked out for me the way I wanted. But I will keep having dreams and pursuing them to the best of my ability. Even if I don’t succeed, I will still know what I am not good at in life and will aim for something I’m actually good at and happy with.

And most importantly, I’ve realized that a lot of what I dreamed before has to to with prestige (the big name of a firm or an organization). I was seeking validation and approval from other people without looking hard at what I actually wanted.

Now that I am more mature and experienced, I know that driving a Mercedez might help me impress a lot of people. But if I am happy with a fuel-efficient and cost-saving Toyota Corolla, then I should just go ahead and drive it while pursuing more realistic and fulfilling goals.


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15 thoughts on “What If Everything I Ever Wanted Became A Reality”

  • Dreams are called dreams because people don’t give enough thought to the downsides. Nothing wrong with having a dream but the leading ingredient for something that someone hasn’t done or dipped a toe in before has to be imagination 🙂

    I like the advice about how everyone will have and find their own way. Because it’s very true. You have bigger things ahead!

    • I always tell Mr. FAF that life is nothing without hopes and dreams. Let’s keep dreaming and take action make them happen! 😀

  • Isn’t it wild to think about “what could’ve been?” When I was about 19 and at a crossroads after my first career (I know; I peaked young), I ALMOST moved to Manhattan. But I didn’t. I moved back home and went to college. And though it’s crazy to think about where my life might be if I had chosen NYC, I guess it’s pointless. I have a lovely life filled with wonderful people, and I wouldn’t change a thing!

    Great post 🙂

    • Thank you, Miss Functional Money! I used to think about those what-ifs a lot. But there’s no point in doing that now. All we can do is move forward 🙂

  • I had this very conversation with my friend last night – it was Sunday and of course I was once again complain about Monday.

    I told my friend that my mom always seems so happy and content with her current situation/job. She makes slightly above minimum wage and is always doing overtime whenever possible. The work is not easy but she never complains about it. She never thinks of her other “dreams” because she doesn’t have them.

    My friend said to me: “happiness is not having what you want, it’s wanting what you have”

    While I often do wonder what my other life would be like. It’s more important to focus on the life I current have.

    • I totally agree with you! It is what we have that matters. Happiness can come in various forms, and it can differ for different people. For me, it’d be being able to live a life I’m content with and pursuing my dreams and future goals 😀

  • Cool stories. Thanks for sharing. We all have dreams that didn’t come true. I’m pretty happy where I am so that’s what counts. I’ve gotten more realistic as I age. 🙂

    • I think I’ve gotten more realistic as I age as well since I realized what I can or cannot do. Honestly, writing this post made me feel like a total failure. But the next morning, I felt great about my life 😀

  • As someone on Wall Street, I’ve realized it’s not about being smart. It’s about selling. Junior year internship, a mentor told me it was about who you knew, not what you knew. “No one hires the smartest team, they hire the most well-connected team.”

    At the time I didn’t really believe him because in an Asian family you kind of get taught being smart and hardworking are the most important things.

    I think if I hadn’t found FIRE I would be living paycheck to paycheck on Wall Street as well. So much lifestyle inflation is there, with people making 7 figures still working because they spend it all each year. It’s crazy to think about it now, but seemed so normal before I knew about FIRE.

    **Unless you’re super good at math or CS, then you probably don’t need good sales skills. But those are pretty rare. You still need to deal with clients even if you’re not a salesperson generally.

    • I’m with you on the networking. I should and should have done that more even when I was a freshman. My friend applied for a series of consulting internships but got rejected. When she applied through a friend’s friend, she got it. At the same time, she’s also smart and can do the job well, so she got a FT job offer after the internship. 🙂

  • Thanks for sharing. The cool thing about life is that we tend to always revert back to our general happiness state, no matter whether we reached our dreams or not.

    I did the 13 years on Wall Street. Fun times for about 10 years, not so fun for 3. It was a great experience. But I think I’d have an equally great experience making less working out of China – my other choice before deciding to work in finance.

    At the end of the day, it’s simply making PROGRESS in whatever you do that will make you happy imo!

    Best, Sam

    • Your Wall Street story really stuck with me. What you described about your work life was similar to what people told me about working in investment banking. It’s hard work, long hours, but also very rewarding. It’s great you enjoyed it for 10 years. Usually, people say they work in IB for 2 years and find something else since it’s so stressful. But it definitely paid off for you in the end 🙂

  • Great post. Coincidentally, this whole not-knowing-what-you-want thing is happening to me right now.
    I probably am as career oriented as you and would always strive to be attaining some sort of achievement. I had wanted to complete my masters of nursing before I turned 28, but I ended up deviating from my plan.
    Thank you for this timely post that reminded me that I am not alone 🙂

    • I remember feeling so disoriented and lost when I was around your age. It’s great you have a plan. Finding our way takes time. Wishing you all the best 🙂

  • To struggle and to strive is the essence of Life itself, it is from within that, we find meaning.

    Materially, I find myself a bit lost as everything has been accomplished. As for the rest, the struggle is what makes it worthwhile. I’d be letting out lot of people down if I didn’t live life to the fullest and my true self. That, I would never be able to live down.

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