People like us

Recently, and by recently I really mean the past 4 years
Ok, two years
Maybe, this year. With the economy in such an….overwhelming place …
I started looking at what the future looks like for … Well, people like us .
The working family .

Now, I’m in business – I deal with people.Their children, their money , followed by more people .

It’s no secret that almost NO American feels safe with the thought, prospect, of retirement … None … Zero … I don’t even feel safe , do you ? . And when I say safe, I mean, do you take great joy in thinking of retirement, or do you dread what it’s going to take to get there ? . See where I’m headed .

None of us believe social security is going to be there when we reach the safe haven of 70+ to retire
And yet hardly anyone is taking matters into their own hands .
You have inflation
Taxes
And dog food to look forward to

I lived on potatoes for months as a child
I promised myself never again

I was talking to a farmer from Michigan recently – great guy , he and his wife got married at the age of forty . They are now in their 70’s . He worked two jobs , she worked for the government – so we know she didn’t make much there . She did all right money wise . But she also had two kids when they met … So she didn’t HAVE any money to save . They pulled together , any raises went to savings and retirement funds . They ate in most of the time … They now have a pretty good retirement. One fund is over 300,000 dollars … However , this is only about 1,300 a month .

So

If you don’t believe social security is going to be there – as it should be . If you truly don’t feel comfortable trusting your future to someone else ?
Then why do it !

If we don’t who will ? . If not now , when ? .
We have to start today, to secure tomorrow .

It doesn’t have to be complicated either.

Roth IRA’s make interest work FOR you
We all know about interest. Except now you can feel good about it and not worry so much about inflation .
Fund these and a 401k as much as possible . But make sure you have a good emergency fund available on the side .
‘Cause believe me
Stuff happens
It’s not a matter of IF
But when. And it will happen .

SAVE
What you can , when you can , for as long as ever you possibly can .
If we can’t predict the future ? We must prepare for it .

Will this keep you from worrying ?
No , this is human nature , it means you’re concerned . Just remember … It ain’t nothing but a thing, Do what you can and breathe .

You and I are told to fear the unknown. To panic . To ask questions …
… We don’t have to fear the future , not if we prepare for it … we can change our way of thinking and live like no one else . A down market is not always a bad thing . Perspective is everything .

Consider how almost every advancement in the past 40 years, took place within a down market . Thus turning things around …. Apple , Mcdonald’s , the ATM , cell phones etc etc. The list goes on . The future doesn’t belong to the faint of heart , it belongs to the brave .
life will beat you down,but don’t give up just yet . We are the brave ones . I just can’t help believing in ..people like us.

20130718-014912.jpg

You can win

Don’t be careless. Hold your tongue listen.  Use you perspective to see things as those around you .
There’s an undermanagement problem in our business world and our financial security.

Let me break it down…
Business is 20% product knowledge, 80% people knowledge.
Finance is 20% head knowledge and 80% behavior. 
Theres a link  here…we’re in control of our destiny if we can manage the character of ourselves we can win at both.

MAKE character based decisions not emotional decisions. Emotion is temporary.  Character is consistent.  Its not personal its business. We try to feel everything.  Feel alive…and where did that get us …debt at home and a business that is undermanaged because we are not consistent.   Change your thinking and start today by managing yourself , you can’t afford not to.
You can win.