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WHEN THE UNIVERSE CHALLENGES YOU

Sketch: Venn diagram showing overlap between “problems” and “reframe” as the zone of calm resilience.
❝When we are no longer able to change a situation, we are challenged to change ourselves.❞ -Viktor Frankl

Life doesn't ask you if it's fair; it asks you how you'll respond.


WHEN SOMETHING SMALL RUINS YOUR DAY


I’m walking my dog when I get an email from a popular media site that published one of my guest articles the day before.


Much to my surprise, the very next day, they published a piece from someone who regularly plagiarizes my work. It’s too close to be random.


And just like that, my peaceful walk is gone. My mind spins stories: It’s not fair, how could they do this? Why does this keep happening?


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That’s when I remembered a reframe that has helped me more than once: Whenever I’m presented with a challenge, I can choose to see it as a test from the universe. It sounds a little dramatic. But it works.


Instead of reacting, I pause. Instead of stewing, I get curious. Instead of spiraling, I ask: What is this asking of me?


It doesn’t magically fix the situation. But it changes my relationship to it. If something is within my control, I can act. If it isn’t, I can let it go.


Either way, I stay calmer. And that alone makes solving problems easier.


WHY DIFFICULTY IS NORMAL


It’s tempting to believe that the goal of life is to eliminate problems.


We imagine that once we get through this phase — once work settles down, once the kids are older, once we retire — things will finally smooth out.

Sketch of fluctuating problems over time, showing that difficulty is a constant part of life.

We may even catch ourselves waiting for a future where problems finally drop to zero.

Sketch of a person expecting problems to disappear, emphasizing the unrealistic goal of zero difficulty.

But no matter where we are in life, there will always be something to solve.


Problems aren’t interruptions to life. They’re part of being alive.


Sketch showing that problems persist over time, highlighting the reality of ongoing life challenges.

LIFE IS AN ONGOING SERIES OF PROBLEMS


Sometimes it feels like we’re running on a treadmill — solving one issue after another, hoping one day we can step off and just “live.”

Sketch of a person stuck on a “Solving Problems” treadmill, showing the ongoing nature of challenges.

But as author and philosopher Sam Harris points out, life is an unending series of complications.


That might sound like pessimism, but it’s realism. Having to solve problems is a universal human condition. If you’re alive, you’re navigating complications.


When we expect a smooth path, every new problem feels like an insult. When we expect friction, it stops feeling personal.

Sketch showing problem-solving as a universal human condition, not a personal failure.



Resilience is the ability to bounce back (or grow) from stress and adversity. The ability to maintain physical, mental, and emotional well-being in the face of setbacks. Learn more about how resilient you are.




A DIFFERENT WAY TO SEE CHALLENGES: THE "TEST" REFRAME


Here’s what usually happens: As problems get bigger, our emotional reaction grows with them.

Sketch of emotional reaction rising sharply as problems intensify, illustrating the default stress response.

That’s the default setting. Automatic. Subconscious.


But there’s another option. When you spot a problem, you can ask: What if this is a test?


Not a punishment. Not proof you’re failing. Just a challenge asking something of you.


That simple shift changes the curve.


The problem may still be there. But the emotional spike softens. Smaller problems drop away quickly. Bigger ones turn into puzzles instead of threats.


You’re no longer fighting reality; you’re responding to it.

Sketch showing how reframing reduces emotional reactivity as problem intensity increases.

CHOOSING YOUR RESPONSE WHEN LIFE DOESN'T FEEL FAIR


Seeing life as a series of tests from the universe might sound a little abstract. But the real point isn’t about the universe. It’s about perspective.


You don’t get to choose whether problems show up. You do get to choose how you meet them.


When you stop expecting life to be frictionless, you stop being surprised by normal difficulty. And when you reframe challenges as tests of your steadiness, creativity, or patience, something shifts. The problem doesn’t shrink, but your reaction does... and that’s often enough.


You get one life; live intentionally.



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REFERENCES AND INFLUENCES


Ben-Shahar, Tal: Happier, No Matter What

Burkeman, Oliver: The Antidote

Crosby, Daniel: The Soul of Wealth

Irvine, William: Guide to the Good Life

Irvine, William: A Slap in the Face

Irvine, William: The Stoic Challenge

Wallace, David Foster: This is Water

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About the Author

Derek Hagen, CFP®, CFA, FBS®, CFT™, CIPM is a Life Planning Consultant, Advisor Educator, Speaker, Author, and Stick-Figure Illustrator. He simplifies complex topics about meaning, motivation, money, and life.

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