History repeats itself …

Short term debt cycles
Long term debt cycles
Our habits and our emotions drive us …
Consuming for what we want right now
Credit and credit cards
Increased power to purchase
without increased income
Betting that our future self will pay it off…
10 years
40 years
The middle class gets squeezed
Stops spending money
Starts paying off their debts
Driving inflation up
And recession
The poor just try to survive
The wealthy have assets
So they are still able to get loans etc
When the banks foreclose or call on debts
They are able to pick up the pieces
Capitalism is the consumer….
There is no evil entity
70 percent of our economy is small business and consumer habits…
Be intentional
Know where you are going and why
Control your future
Or your habits will control you …
If you’re calm
Know where you’re going
The long nights
The early mornings
They all will be worth it
Watch the morning
The fall come in
Watch the seasons change
You’re making your future
You’re arriving
You built this
With changing habits
I’ve been fortunate
I haven’t always been the best I could be
I was dishonest
I lied
I drank
I wasn’t my best
I’ve been forgiven of much
I didn’t go to college
I worked since I was 14
And with my father before that …
But I’ve been given second chances
I have a family
I have a home
I’m building
And I’m thankful ….

What else is there?



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