ARTICLE AD
The term TL;DR—too long; didn’t read—is humorous and ubiquitous these days, but I dislike this catchphrase. It implies that based on length alone, a written piece is not worthy of a reader’s time. But TL;DR is less about the piece than the person bestowing this judgment. If something is “TL;DR” for us, we may be showing a low level of negative capability.
Negative capability was coined by the poet John Keats to recognize the ability of fellow artists to dwell in a state of openness to all experiences. Negative capability is when a person “is capable of being in uncertainties, mysteries, doubts, without any irritable reaching after fact and reason.” It is the ability to sit with things in progress. Negative capability doesn’t mean not working toward our goals, but not allowing lack of resolution to upend our lives. Keats saw negative capability as the hallmark of “a Man of Achievement.”
The term has been adapted into other fields. For example, foreign language learners who can wade through all of the words they don’t understand and focus on the ones they do are demonstrating high negative capability. Those learners will be more successful in learning their target language.
As explained in Wikipedia, “Brazilian philosopher Roberto Mangabeira Unger appropriated Keats’ term in order to explain resistance to rigid social divisions and hierarchies where negative capability was the denial of whatever delivered over to a fixed scheme of division and hierarchy…. Negative capability could empower against social and institutional constraints, and loosen the bonds entrapping people in a certain social station.”
Negative capability is more than just being patient. It requires overcoming a level of friction in our endeavors. Minimalism is a good example. Changing my relationship with my possessions and focusing only on my top values required recognizing and resisting societal pressures (often internally enforced). I found becoming a minimalist took several years before I broke free of the spend-purge cycle and fundamentally changed who I was.
Melissa Kirsch’s recent New York Times newsletter (“Unfinished Business,” June 13, 2026) about negative capability observed that “leaving things unfinished doesn’t jibe with our productivity-fixated culture….[W]e’re in spectacular hurries to get things done, to optimize and perfect and polish off so we can move on to the next.” We have to collect all six, visit every state, and complete our (often endless) to-do list before we can relax.
But people who can patiently persist in long-term projects, often against societal norms, even when they may not see the project come to fruition for decades (or in their lifetime) have high negative capability. Kirsch mentions Antoni Gaudí, who designed the Catholic cathedral Sagrada Familia in Barcelona, as an exemplar of this skill. He knew full well he would never see its completion (he died in 1926). His high negative capability enabled him to be content with this situation and keep on working. It is how enormous and exquisitely detailed cathedrals are built.
Negative capability is key in our financial lives. Financial independence requires many years, if not decades, to achieve while resisting the social drumbeat of keeping up with the Joneses.
Some approach it as a singular goal and put the rest of their lives on hold until they achieve their FI number, sacrificing much of their well-being in the process. But others with high negative capability can pursue financial independence while also balancing the rest of their lives. They are OK with the “boring middle” as it has come to be termed. That period after we have put systems into place to control spending, save and invest a sizable percentage of our income, and let the power of compounding do its work—often over decades.
In the meantime, though, they live their lives. They aren’t in a holding pattern, waiting to reach their FI number—that time when they finally fully control their time and can let paid employment go (if they wish).
It took my wife and I 30 years to achieve financial independence. But we were not unhappy or deprived during those years or with the decision to save and invest a significant amount of our money instead of spending it all (we actually did spend it buying our time freedom). We lived our lives. We bought a house (three, actually), raised our kids, took great (inexpensive) vacations, completed advanced degrees, and volunteered in our community.
We resisted the pressures to constantly upgrade to new cars, clothes, and gadgets—our old well-cared for items worked just fine. We are loving our early retired life traveling full time for the past 3 years but we also loved our lives before achieving financial independence—it wasn’t boring at all!
We can apply negative capability to all aspects of our lives beyond achieving long-term financial goals. Learning a language, writing a book (without AI), building a business, training for a marathon, or even just reading a lengthy blog post or novel can benefit from our having high negative capability.
Tolstoy’s War and Peace, for example, is famous for being long. While I found the first chapter challenging while Tolstoy introduced me to hundreds of characters, the book took me on an epic journey of adventure, culture, and history. I was glad that I persisted—it was one of the best books I have read.
Similarly, I am learning Spanish. After living a month in Spain and two and a half months in Mexico, including two weeks of intensive classes in Oaxaca (plus months of Duolingo) I was frustrated that I wasn’t progressing very fast. Instead of letting myself find an excuse for giving up (I’m too old or I don’t have natural language ability), I instead accepted that my learning journey would take years and that I needed to sit with the discomfort of struggling to understand and communicate in this language.
I have since purchased a Spanish workbook and returned to South America and Mexico this year to continue my journey. It is OK that I may never achieve the level of fluency that I had once hoped for, but in the process, I am getting better little-by-little. More importantly, I no longer let my slow progress detract from my enjoyment of visiting these wonderful places.
So, before we judge a written piece as “too long” or attaining financial independence as too hard, consider that so much in life is worth both the extra effort and the discomfort of dwelling in uncertainty before resolution is in sight. We wouldn’t have the magnificent Sagrada Familia cathedral without Gaudí dedicating his life to a vision that would not be finished until over a century after his death (it is still not completed).
Let’s build our negative capability as we strive to achieve great things in our lives because life itself is uncertain and often without clear resolution. We’re going to have a better time on this journey if we’ve learned to hold that truth with some measure of peace.
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About the Author: Justin Hall retired early from civil service, let go of 98 percent of his possessions, and travels the world full-time with his wife. Find him at Living The FIgh Life.
