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In 1966, our family moved from Richmond, England, to Maryland after my father accepted a position with the World Bank—an opportunity too good to turn down. His early work took him across Africa, but in 1972 he was assigned to Bangladesh for what was meant to be a two year posting. It became four. For three young boys and our four year old sister, it proved to be an experience that stayed with us for life. During the school year, us boys were sent to boarding school in England, but holidays were spent in Dhaka or Dacca as the capital was called back in the 70’s.
Bangladesh at the time had roughly 70 to 75 million people, in a country about the size of Iowa. It had just emerged from a brutal war of independence that left infrastructure destroyed and the economy barely functioning. Poverty wasn’t something you read about, it surrounded you. Mothers cradled their malnourished babies, unable to produce breast milk. Children in torn clothes and bare feet begged at intersections. Homes were built from scraps of tin, wood, and plastic. Clean water was scarce or non existent. Illness was common with no medical care . Even living in Gulshan, one of Dhaka’s quieter neighborhoods, the contrast between our surroundings and the desperation just beyond them was impossible to ignore.
The mid-1970s brought even greater hardship. Food shortages worsened, and the famine of 1974 left lasting scars. Lines formed for rice. Malnutrition among many became more visible. There was a sense that many families were simply trying to make it through another day. As children, we didn’t fully understand the politics or economics behind it. What we understood was hunger, uncertainty, and how fragile daily life could be.
Those years quietly shaped our relationship with money. Food was never to be wasted. Having more than you needed carried an obligation. Bragging about possessions felt uncomfortable, especially when you had seen how little others had. Security, having enough food, a stable home, and some financial cushion, mattered far more than status or appearances. Generosity wasn’t theoretical—it was simply what you did when you recognized how easily circumstances could be reversed.
I didn’t realize it at the time, but those experiences formed my definition of wealth. It wasn’t about the size of a house, the car in the driveway, or the balance in an investment account. Wealth was having enough food, enough stability, and enough margin to help someone else. Everything beyond that felt like a bonus.
Bangladesh today has more than 170 million people and has made enormous progress. But the lessons from those years never left me. Whenever markets rise, spending creeps up, or comparisons tempt me, I think back to those streets in Dhaka. They remind me that money isn’t just for comfort or accumulation—it’s for security, humility, and, when possible, compassion.
Once you’ve seen how little some people live on, the goal stops being to have more. The goal becomes knowing when you already have enough.
Andrew, Your article brought back so many memories of my growing up in India with very little. Looking back, that experience shaped my world view and how I look at wealth and material possessions. I am a better person because of that. Thanks for a wonderful article, and keep writing. Sundar
Thank you Sundar for sharing your experiences and your encouragement to keep writing. I appreciate it.
Andrew, this is a very beautiful reflection that epitomizes the reason why I appreciate Humble Dollar so much. Despite the unimaginable loss of her husband and two of her children, your mother must be very proud of the light she has brought to our world by the values that you and your siblings were raised with and have shared. We need more families like the Clements.
Thank you Linda, your comment warmed my heart, thank you so much.
One of the best things I have read on HD since we lost Jonathan. Thank you, Andrew, for reminding us what is really important in life. Chris
Thank you Chris for your kind words. Jonathan loved writing for HD and be really appreciated his readers.
Andrew, you cause me to think twice before whining about my first world problems. This fine article sure puts the ‘humble’ in HumbleDollar. Thanks for posting.
Thank you Dan, I do appreciate your comment. Yes, I was thinking the same when I started writing the article, we need to be more humble.
Andrew, that is a fantastic story and a wonderful approach to life. You’ve influenced me in a very positive way. Thank you!
Thank you Fred, I am sure you already have it in you but I’m pleased to reinforce it.
Thanks Andrew for keeping us grounded. This reminds us how fortunate we are, and therefore should be more than willing to help others. Always be kind and compassionate.
Thank you William for your comment. What’s so great about kindness and compassion is its free but feels so good.
Thank you so much for sharing. This superb article is a great reminder to a country with enormous wealth. Let’s all be kinder and more compassionate to one another. There is no end to filling desires but having enough will bring peace to you and those around you.
Thank you Cindy for taking the time to comment. And yes kindness is free, a simple hug will brighten a persons day and also fill your heart.
Excellent article, Andrew! Thank you for sharing your insights and for this great reminder. Maintaining the perspective you shared here is an ongoing battle but one worth fighting. I’ve defined “enough” and work towards that end but then find myself wanting to move the goal posts if I’m not intentional about combatting my innate, selfish desires.
Steve, thank you for the honest comment. Yes, some of us have that competitive desire to reach for more but I’d like to think we can turn that around and give more to those in need.
What a superb contribution, Andrew. Many thanks for these reflections.
I ponder these issues often, most recently yesterday when I was delivering Foodline boxes to disabled seniors (it’s part of the local Meals on wheels program). These are some of the poorest members of our community, yet they do have this safety net, slender though it may be, to ensure that they have enough to eat. And in many parts of the world, Bangladesh among them, just this basic standard would qualify as wealth – because so many millions of people don’t have even this.
Thank you Mike for your comment and sharing your story: Your contribution to society must be so rewarding. Since I am not a financial writer, my postings will be a reflection of my life with a financial spin to it.
Great post for proper perspective about enough and giving/sharing with others. I was shaped as a little lad back in the 60s when our colony was having a water and food shortage, and saw first hand how our parents were generously helping others/strangers in need. What a wonderful life lesson for a child to be witnessed in, as a grown up, I found joy in giving and helping others any time I can. Love God, love your neighbors. Thanks again for the life lesson that shaped you and your siblings as great people y’all became.
Thank you so much for sharing your story, it doesn’t take much to kindly give and the reward is the thanks you receive and how it fills your heart.
Thanks Andrew. I feel that having a global and historical perspective really helps to reminds us of our own good fortune.
Absolutely! I feel very fortunate to have traveled so much when I was young.
Andrew, this is a powerful reflection—thank you for sharing it.
It seems to me there are at least two different lessons someone could take from experiences like yours.
One is: I don’t need to make much to live in solidarity with the poor. That can lead to a simpler, more restrained life—and there’s something honorable in that.
But I’ve come to believe there’s another path that may carry even greater responsibility: to earn as much as one is able, in order to give as much as possible.
Making more doesn’t have to mean living more lavishly. It can mean expanding your capacity to be generous. In that sense, income becomes less about personal consumption and more about stewardship.
Seeing real need doesn’t just redefine “enough”—it can also redefine what we’re responsible for.
Perhaps the goal isn’t choosing between simplicity and abundance, but holding both together: living simply enough to stay grounded, while earning purposefully enough to give meaningfully.
Amen to this. Chris
Wise words William, and to extend your good fortune to others makes for a meaningful life and legacy you can leave behind.
Grat post, Andrew! I remember reading about the war Bangladesh was involved in during my junior high school years. Your post sure makes one thankful for some of those “basics” you described that others don’t have. Great reminder about the basic purposes of money!
Thank you Dave. It’s hard to fathom we moved there after the war and then to be faced with several significant coups during 1975-1976.
Great post. I fear some will never have a good retirement because they fail to understand what their “enough” truly is. If you don’t know what “enough” looks like, no amount of money will ever feel like “plenty.”
Thank you Mark, and how true your words of wisdom are.
Great post, Andrew. You gained a perspective from your experience that many people miss. And you portrayed it well.
Thank you Edmund for your kind words. Young people need to travel and be exposed to different cultures, so many lessons can be learned.
Thank you for sharing your family’s story.
Thank you Kristine, I appreciate you reading my article
Thanks Andrew for an excellent, thought-provoking article. I love your reminder about the purpose of money – “security, humility, and, when possible, compassion”
Thank you Rick for your
comment, compassion to give to those less fortunate. And they will remember you for your kindness.
Thank you. Great piece, very interesting childhood! Sadly, some people never have enough.
Thank you, isn’t that the truth.
I spent a year in Vietnam in 1967.
I dont believe Ive had a more insightful year in my life.
There’s hardly a day go by when I’m not reminded of those days, those poor war torn people.
The year changed me no doubt, mostly for the better after some aging.
I recommend everyone spend at least weeks in third world country.