According to many studies, more and more baby boomers are becoming single and not wanting to get married. This presents some questions that should be considered:
- What happens if I get sick and can no longer work?
- How will I afford retirement?
- Do I have a plan for my funeral and final expenses?
- Have I told anyone?
- Who will I ask for help?
All these questions and more based on your personal situation.
Whether we are male or female, whether we took care of the finances, we need to have a plan and let the people we will rely on know it. Too many times things take us by surprise and the decisions we make under stress are not as thought out as they should be.
If you are single, especially over 50, get a plan, share it with your loved ones right away. Don’t let the wrong person decide for you.
Creating a buzz…….¯`•.¸¸.ஐ
I have lived in Florida for my entire life. I have heard about how the education process needs to change. We went from math to new math, phonics to sight words and back to phonics again. However, one thing has not changed. There is no class to teach our children life skills.
My two sons and I were eating dinner one night. I had just purchased a car for my daughter. My youngest one asked, “How did you know about buying cars, mom?” I let him know that it was a process of mistakes that I learned from. “Well, how did you know how to get a mortgage?” I said, “I bought my first house when I was 25 and asked questions.” They both agreed that these are things that need to be taught in school.
I was thinking about it. How many times as an adult, do we feel that we have been taken advantage of at the car dealership? Do we really understand all the papers you sign at a mortgage? Believe me, you will have a book when you are done.
Young people don’t know how to reconcile their bank statements, write a check, or understand the cost of money.
As my job involves money and assets, I believe that giving my team an education in money and how it works will help them pay it forward.
Educating our young people about money, budgeting and finance is how they need to spend part of their school career. Understanding this will help not only individual families but the financial future for everyone.
Creating a buzz……¯`•.¸¸.ஐ
About the same time as the financial crisis, my personal life was going down the toilet as well. I felt like I was being punched from all sides. I was exhausted, overwhelmed, unhappy, frustrated and down right miserable.
I had so many fires burning, I did not know which one to put out first. It dawned on me, that many of the challenges I was facing were outside my control. But, there were a few things I could do to improve how I was feeling.
I started investing in myself.
First, I went to the people I loved and that gave me emotional support. I told them that I had things I had to do that required a positive mental outlook. I could not be around anyone that was negative! This did not mean if someone had an issue that I did not want to hear it and encourage them to work toward a solution. But negativity – the for the sake of negativity – is not something I could be around. What I had to do required positivity.
Then, I listened to the advice I was given. I began taking some quiet time for myself; by myself. This gave me time to regenerate and refresh. I used this time to do something that was restful and relaxing. By doing this weekly, I began to attach the challenges with a renewed vigor and confidence. Little by little my energy stores were being increased.
Finally, I started exercising weekly. Let me be clear- I HATE exercising! But what I realized in the process of doing something I hate, I became more self disciplined. My stress level was much more manageable and I looked better. (Always a plus.)
It’s been a process for the last 4 years. I can’t say I haven’t fallen off the wagon occasionally, but I always get back on. I know that the results are worth it.
Creating a buzz……¯`•.¸¸.ஐ
I have a saying that I tell my team and family, “You are the average for the 5 people you hang around with.”
This did not really resonate with me until I started attending a class with some pretty high achieving business people. After the class, I have stayed in contact with some of these individuals and began instituting many of the things they do. It is amazing at the changes this has created in my business.
As a result, I have realized that even though I am self employed, I get more done when I am held accountable. Therefore, I have an accountability partner that holds me accountable for doing the important things I need to do to stay on track. I also know that I need to continue to educate myself. That includes everything from technology, social media and business acumen.
These actions have created an excitement in me that I have not experienced in probably 20 years. In order to continue this, I know that I need to surround myself with people interested in growing. Being in the presence of this type of person is like taking a daily vitamin. You get stronger and smarter, handle change better and feel better able to deal with the negative.
How do you continue to grow? I challenge you to look at the 5 people you hang around; are they bringing you up or down?
Creating a buzz…..
“Sometimes the right thing and the hardest thing are the same thing”…. I have really had to consider this over the past few weeks. My journey has forced me to make decisions that I really did not want to make but in order to grow, the right thing was the hardest thing.
I am sure that many people were shocked by my recent decisions. I must admit, that I really was surprised that I had the courage to make the changes. The rest of my life will be forever effected. Certainly, there will be some negative consequences. However, I know that for my long term goals and personal achievement, the decisions had to be carried out.
I look back and know that was so right back then had not moved forward with me. While I am sure I will grieve for what was lost, I am looking forward optimistically. I am also proud of being able to face the problem and do what I had to do. It makes me realize that going forward, my decisions may get harder but I can face the challenge.
I would love to hear about when the right thing was the hardest thing for you.
Creating a buzz…..
Is there a time when you finally have to say “UNCLE?”
I never thought so until recently. Giving up just felt like failure. This just was not part of my plan; ever! I had convinced myself that failure was a reflection of the hard work that I put into something. So I would doggedly continue down the same path, doing the same thing because I just could not admit defeat.
Then I heard something that made me think about failure or giving up or changing the direction of my journey in a totally different way. Specifically “Fail Forward.”
There are times when you are going to fail. Sometimes in spite of yourself, things just don’t go as you need. But if you fail forward and you can take something valuable away from the experience then you are still moving forward on your journey.
I heard this about the same time as “fail forward:”
So just keeping aiming and don’t be afraid of taking a step back.
Creating a buzz……
When forces outside my control forced me to think about my own survival, and make decisions that affected others in a negative way, how quickly all the years of doing for the very same people was forgotten.
It was ok for me to struggle, but goodness, don’t let that struggle touch them… Don’t get me wrong, in a fight I am going to come out on top. I will learn what I need to do, I will create solutions to improve the situation and I will diligently work until I am back on top again. I never give up. (and that is a topic for another day)
On that path, I realized that some people were coming with me and others were choosing another path. And, in order for all of us to grow, I had to let go of some of the people from my past. Our paths were divergent. As I have continued to pull myself up that rocky path and grown as a leader, I realized that I have changed and I was not the person that some of these people had known for all these years. In fact, they might not even like the new, improved (my opinion) me. I HAD TO BE OK WITH THIS. I made those choices and these were the consequences.
Scared but hopefully looking forward……
Creating a buzz…