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Who We Are
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The Proper Mindset
Let's take
a quick minute and get your head on straight.
My Dad once took me golfing, which
regrettably is a sport that I never embraced. He told me to hit the ball like a woman. I
just looked at him, and crushed that small dimpled object into the trees to the left of the
fairway. I was a hulking teenager who threw the shot put on the track team. Hit the ball
like a woman! Not me. And in not following his advice for the millionth time, I never
learned how to golf. An article I read not to long ago went on about the merits of men going to the doctor and acting like women. The male
author had some kind of cancerous tumor or polyp. The doctor told him that surgery was
necessary, and the author agreed with the suggestion. But on the day in question, he had
brought his wife with him to the doctor's office. She immediately piped up and
asked,"how many of these operations have you done?" His answer of two opened the
author's eyes and forced him to get a second and a third opinion. Women grow up with
doctors. OBGYN's and specialist in related fields populate a women's existence and they
come to question everything and anything. They exercise caution. Women
question more and expect more. More detailed answers, more choices, and more selection. The lesson is so simple in fact it is easy to miss. You have come to this website looking for answers to questions that you might have. But are you willing to accept the answers. You may have come here hoping that I have some magical solution for you to retire filthy rich at an incredibly young age. You probably think that I, having found this magic solution, am willing to share it with every visitor. There is no magic solution. There are however simple answers to simple questions. But first, you need to get you head on straight, or get the proper mindset.
One of the first best points I can make has to do with health. This is the first lesson of The Mindset.
Take care of
yourself. Jettison those vices that will shorten your life span and only raise the
medical expense of old age. You can pretty much count on medical care going up after you
retire, but you can start to contain it now. Studies have noted that medical costs can
increase as much as 400%. Not to mention the horrifying possibility of becoming a burden
on your children. Take care of yourself now. Exercise. Eat well. Control those vices.
Do not plan on
retiring. Plan on slowing down, doing less, maybe doing something different. But do not
stop. You will, if you have taken care of yourself, live another thirty years after you leave your regular line of work. That is a long time. Another career. Do you really plan on sitting back and watching those years drift by? I know, at age forty, the idea of never heading off to the job again, trading the day of labor for the day of leisure, is so tempting. But mostly unrealistic. Inactivity has enormous downside risk. Alzheimer's has been proven to come on early, as much as ten years earlier, in an
inactive brain. So plan not to throw out that magical target date. Life is not going to be
"toes in the sand, drink in your hand". It shouldn't be rocking away on the
front porch waiting for the end. You should plan on easing the pace. Pursuing a hobby.
Finding another profession. Doing volunteer work. Just don't stop. You could, if the
medical people are right, live almost another whole lifetime after you retire. Are ready
for that? Thirty or forty years of what? Now is the time to plan for those years, adjusting your lifestyle and your habits so that any change you have to make is much more comfortable. Step one foot in front of the other. Take care of your debt,
raise your kids, pay off your house, live within your means while avoiding what
advertisers say you need. A hat is hat. Does it really need a Nike Swoosh on it? Continue
to live, just do it within your means.
At the BlueCollarDollar, we offer a common sense approach to money, a healthy debt free lifestyle, and a financially stable retirement. No magic formulas. No special calculators that tell you that a million dollar retirement fund is possible. Some of you will never even earn a million dollars in your entire career. But what you can achieve is just as monumental. Comfort. Control of your destiny. Along the way, there will be many potholes, but the BlueCollarDollar will do the best we can to help you through them, around them, and over them. We care about your money. You work hard for it. We want to see you keep it wisely. Most of all, know that you will be fine. It just
takes time. |
