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The ability to be spontaneous in life is directly proportion to the size of your bank account
(self.showerthoughts)
A "Showerthought" is a simple term used to describe the thoughts that pop into your head while you're doing everyday things like taking a shower, driving, or just daydreaming. The best ones are thoughts that many people can relate to and they find something funny or interesting in regular stuff.
You're right. Being rich might open up more types of spontaneity, but this just sounds like an excuse to not do anything.