Keeping Hope Alive – Behind the White Noise and Shiny Objects

recessionAs you probably already know my recession started in late 2006 following a (in retrospect) bad decision on my part to accept a new position in another division of my company. I was let go and then I had to learn how to let go:

  • Of resentment
  •  Of anger
  • Of fear
  •  Of material things (like my house and my car)
  •  Of the past

 

Four years later, even though I have worked several decent paying gigs:

·         my bank account is light

·          if you ask a financial adviser they’ll tell you that my retirement plan is looking a lot like a job as greeter at Walmart

·          I don’t remember what an annual physical or mammogram is like because I belong to one of those (insert number in thousands or millions depending on your party affiliation here)  people with no health insurance

·         I do not possess a credit card or a high credit score

And you know what? I’m fine with all of that. Every day is a beautiful day, a blessing to be cherished. I appreciate what I have and what I can actually afford to buy [I bought my son a laptop and paid cash, I was so proud when I realized what I had done]

 

So, Where are YOUR Bootstraps?

 

And I’m telling you this because….

  1. I want you to know that no one is going to come and “fix” your personal economy. Once you get far enough away from a steady income and deep enough into debt, it’s a long road back
  2. I want you to realize that you can’t blame the government for your situation, then say the government is too big, and then blame the same government for your situation – yes I repeated myself, reading it makes as much sense as doing it does.
  3. I am slightly angered by corporate sponsored candidates who will tell you that if government stepped out of the way, companies would step in and take care of the “community”. Bullshit, is what I say. Why aren’t they doing that already? There is no legislation stopping these companies from taking care of the community now!  So why would you believe for even one moment that the people with the real power (jobs) to turn the economy around, who have not exercised that power, are going to make things better if they gain political power. Yeah they’ll make things better – for them.
  4. I tripled my yearly earnings under Clinton, lost everything under Bush, and gained some of it back under Obama. But I’m not assigning credit or blame to any of them, because this is my life and my responsibility, and it’s my hard work, foresight, intuition that causes me to gain or lose. I want you to stop blaming the wrong people for where you are. As a matter of fact, I want you to stop blaming altogether, that’s a lot of your spiritual power that you’re giving away there.
  5. I’ve learned that if you turn off the external noise – friends, family, media – and turn inward to the place in you where God is – he really will make a way where there is no way. I have never considered murder–suicide – not mine, not the President, not my family – as an alternative. You see I know that in 10 years, the past 4 years or so  will be just that – the past, and life and the world will have moved on and the angry people will find someone/something else to be angry about, and I’ll be living and crocheting in Europe (which is a dream of mine and honestly nothing personal against y’all).

 

Enhanced by Zemanta

Is Retirement At 65 The Final Fantasy?

burn's night at a retirement home
Image by k4dordy via Flickr

I’ve been working since I joined the Marine Corps at age 17.  Prior to age 46, I had only worked at four (4) jobs (can you imagine? what a dinosaur I am) , five if you include my part time job at Blockbuster back in the 80s.  I thought that was the way to show loyalty and end up with a nice retirement package at age 65.

It worked for my Mom (not so much for my Dad he died at age 60, more on that next post), so I figured that if I played my cards right I would be able to bounce the grandchildren on my knee while sitting on the front porch of the finest retirement home (which my son Rahsheen has been promising to place me in for years-:).

I was laid off at age 46 and recently I  have spoken to more and more “middle-aged” men and women who have also been laid off in their later years; and it got me thinking is retirement by age 65 the final fantasy? More fallacy than actual truth? Something that only happens for a small percentage of the population?

As a network marketer here is where I am supposed to tell you about the 4 year vs the 40 year plan, so yes do consider a home-based business as a way to build retirement income.  Network marketing will build your retirement nest egg a lot faster than a corporate job, as long as you are willing to work hard at it and get through the ups and downs.

If your former job had a pension plan or you put money into a 401K, please, do not spend the money on a new car, a boat or your bills! You will place retirement that much farther out of your reach because once your savings are gone they are gone – and if you are not over 59, the biggest portion will be  going to the IRS and not to you (sucks, I know).

Holding on to and reinvesting your retirement funds rather than spending that money to survive right now, will ensure that you are able to retire before you’re 80 with a substantial monthly income.

Yes the old idea of working for one company for 40 years and retiring at 65 is the final fantasy of my generation, but do not despair. Our talents, skills, and experience will ensure that we get another job. But opening ourselves to the other options out there – internet marketing, home-based businesses, small businesses – will once again make retirement a reality for this generation. Although, if you find something that you totally love doing, and affords you luxury cruises  and other great vacations,  you may say instead “Why would I want to retire?”

So what do you think, is retirement a thing of the past? Leave a comment!

Reblog this post [with Zemanta]