08-23-14

The Brevity of Life

Life is short. Life ends fast.

Slow down to smell the roses, and other times run full throt­tle. Balance.

We don’t stop play­ing because we get old. We get old because we stop play­ing. Live young, stay young.

What doesn’t kill you makes for a great story.

Work hard, play harder. Embrace the crazy in all of us and set it loose.

Have fun with life. Don’t take it too seriously.

The frailty, the brevity, of life. This is the under­es­ti­mated reality.

Don’t waste your life.

 

 

07-28-14

19 Ways Rich People Think Differently

How do you mea­sure up? Num­ber 3 is tough for a lot of people.

1. Rich peo­ple always keep their goals in sight.
“I focus on my goals every day.“
Rich peo­ple who agree: 62%
Poor peo­ple who agree: 6%

2. And they know what needs to be done today.
“I main­tain a daily to-​​do list.“
Rich peo­ple who agree: 81%
Poor peo­ple who agree: 19%

3. They don’t watch TV.
“I watch TV one hour or less per day.“
Rich peo­ple who agree: 67%
Poor peo­ple who agree: 23%

4. They read … but not for fun.
“I love read­ing.“
Rich peo­ple who agree: 86%
Poor peo­ple who agree: 26%

5. Plus, they’re big into audio books.
“I lis­ten to audio books dur­ing the com­mute to work.“
Rich peo­ple who agree: 63%
Poor peo­ple who agree: 5%

6. They make a point of going above and beyond at the office.
“I do more than my job requires.“
Rich peo­ple who agree: 81%
Poor peo­ple who agree: 17%

7. They aren’t hop­ing to win the jack­pot.
“I play the lot­tery reg­u­larly.“
Rich peo­ple who agree: 6%
Poor peo­ple who agree: 77%

8. They watch their waist­line.
“I count calo­ries every day.“
Rich peo­ple who agree: 57%
Poor peo­ple who agree: 5%

9. And they take care of their smiles.
“I floss every day.“
Rich peo­ple who agree: 62%
Poor peo­ple who agree: 16%

10. Rich peo­ple believe their habits have a major impact on their lives.
“Daily habits are crit­i­cal to finan­cial suc­cess in life.“
Rich peo­ple who agree: 52%
Poor peo­ple who agree: 3%

11. Rich peo­ple believe in the Amer­i­can dream.
“The Amer­i­can dream is no longer pos­si­ble.“
Rich peo­ple who agree: 2%
Poor peo­ple who agree: 87%

12. Rich peo­ple value rela­tion­ships for pro­fes­sional and per­sonal growth.
“Rela­tion­ships are crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 88%
Poor peo­ple who agree: 17%

13. Rich peo­ple love meet­ing new peo­ple.
“I love meet­ing new peo­ple.“
Rich peo­ple who agree: 68%
Poor peo­ple who agree: 11%

14. Rich peo­ple think that sav­ing is hugely impor­tant.
“Sav­ing money is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 88%
Poor peo­ple who agree: 52%

15. Rich peo­ple feel that they deter­mine their path in life.
“I believe in fate.“
Rich peo­ple who agree: 10%
Poor peo­ple who agree: 90%

16. Rich peo­ple value cre­ativ­ity over intel­li­gence.
“Cre­ativ­ity is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 75%
Poor peo­ple who agree: 11%

17. Rich peo­ple enjoy their jobs.
“I like (or liked) what I do for a liv­ing.“
Rich peo­ple who agree: 85%
Poor peo­ple who agree: 2%

18. Rich peo­ple believe that their health influ­ences their suc­cess.
“Good health is crit­i­cal to finan­cial suc­cess.“
Rich peo­ple who agree: 85%
Poor peo­ple who agree: 13%

19. Rich peo­ple are will­ing to take risks.
“I’ve taken a risk in search of wealth.“
Rich peo­ple who agree: 63%
Poor peo­ple who agree: 6%

 

HT: http://​www​.entre​pre​neur​.com/​a​r​t​i​c​l​e​/​2​3​5​228
HT: http://www.businessinsider.com/ways-rich-people-think-differently-2014–5

09-08-13

Graduating Dave Ramsey’s Financial Peace University

This after­noon, my girl­friend and I fin­ished our last class with Dave Ram­sey. Like many oth­ers, he’s become a house­hold name to us. “Dave says this…” or “Dave said that…”. For those that aren’t aware, Dave Ram­sey is the nation’s most pop­u­lar finan­cial guru. He lists 7 baby steps as follows:

  1. Build a $1000 emer­gency fund
  2. Get out of debt as quickly as pos­si­ble, pay­ing extra on your small­est debt and work­ing up from there.
  3. Build a fully funded emer­gency fund of 3–6 months expenses.
  4. Start invest­ing 15% of your income in an IRA with high yield­ing mutual funds.
  5. Start a col­lege fund for the kids.
  6. Pay off the home early.
  7. Build wealth and give.

Cur­rently, I’m on step 3 for less than two more months. Then, I start step 4, jump over step 5 (since I don’t have kids), and start sav­ing for a down pay­ment on a house since I cur­rently rent. It’s excit­ing times and feels so lib­er­at­ing to not have the finan­cial bur­dens that so many oth­ers carry.

Dave’s phi­los­o­phy fits so well with Live Sim­ply Free because he harps on liv­ing within your means–living sim­ply. His mantra is, “Live like no one else, so one day you can live like no one else.” Fantastic!

We must resist the lies of our soci­ety to buy things to be happy and that it’s ok to have debt. Sim­plic­ity brings true joy and free­dom. Maybe you’re already bogged way down in finan­cial woes. It’s ok, there’s always hope and it’s never too late to start mak­ing changes. All it takes is deter­mi­na­tion and discipline.

You might look weird just sit­ting with friends at the restau­rant but not order­ing any­thing. Your fam­ily might think you’re crazy for sell­ing every­thing and liv­ing so mea­gerly but that’s ok. After all, isn’t it the crazy peo­ple in this world that always end up doing great things?

It’s been said that when you see the major­ity head­ing in one direc­tion, it’s best to go the oppo­site way. I’m com­mit­ted to that par­tic­u­larly in my finances and I hope you will be too.

09-05-13

bachelors traversing the status quo

What first comes to mind when you think of a bach­e­lor pad? Per­haps some­thing along the lines of the pic­ture below?

messy bachelor pad

 

 

 

 

 

 

 

 

How­ever, if you stop by my apart­ment (which is shared with a room­mate), you’re sure to find a dif­fer­ent expe­ri­ence. With touches from wall art, to orga­ni­za­tion sys­tems, to an always clean kitchen and fridge, our bach­e­lor pad doesn’t fit the sta­tus quo. In fact, more than likely if you come around the din­ner hour you’ll find one of us cook­ing a meal. When I say meal, I don’t mean ramen. We don’t even have a microwave.

We’re two totally dif­fer­ent guys with extremely oppo­site per­son­al­i­ties, careers, and hob­bies. I’m in the med­ical field and my room­mate is in the film indus­try. About the only sim­i­lar­ity is that we’re both Chris­tians and we both run small busi­ness out of our apartment.

So what’s the secret to keep a clean house? It’s an incen­tive pro­gram. It basi­cally works like this. We have iden­ti­fied 4 areas in the apart­ment that we have to keep clean. If my room­mate makes a mess and leaves the apart­ment or leaves it overnight, and I clean it up for him, then I place a hash mark on our white­board. For every hash mark, I get to take $5 off my half of the rent, and vice versa for my room­mate. It’s a pretty good incen­tive that is keep­ing our place spot­less and ready for guests at any­time. So, if you’ve got a room­mate, it’s worth giv­ing it a try. You may end up sav­ing some money this month.

Since we’re talk­ing about room­mates and apart­ments, here’s a project that my room­mate and I are going to start work­ing on this week to give us a lit­tle more space and orga­ni­za­tion. See pic­ture below.

fridge pantry

08-26-13

making the most of rest

It’s been a blur of a year. I started out teach­ing classes dur­ing the Spring semes­ter almost every­day. I also met my dream girl the begin­ning of the year. As the semes­ter ended, the triathlon sea­son started and I was aver­ag­ing 2 races a month. Throw in some wed­dings and a cou­ple other road trips, and it was a very time con­sum­ing sum­mer. Oh, I for­got to men­tion I also started my own teach­ing company.…AHH!!!

I just fin­ished my last race which hap­pened to be the Nation­als 2 weeks ago, and the dust has finally set­tled. I was just star­ing at my cal­en­dar and it is com­pletely empty. After 8 months of busi­ness, I hon­estly feel uncom­fort­able with all this free time. I don’t want to fill it with another reg­i­ment of projects. So, the ques­tion is raised, how do I make the most of this sea­son of rest?

Well, busy lives equate to dis­trac­tion. Dis­trac­tion from God, other rela­tion­ships, good habits, etc. A focus on spir­i­tual things should always be the fore­most thing. Dig­ging in a lit­tle deeper with the church, amp­ing up daily devo­tional time, and seek­ing dis­ci­ple­ship oppor­tu­ni­ties. Sec­ond is strength­en­ing rela­tion­ships with a core group of friends (includ­ing your sig­nif­i­cant other if applic­a­ble) which sta­tis­tics say we can’t main­tain more than 6 close friend­ships. Third would be tak­ing up some gen­eral good habits like read­ing, writ­ing, inten­tional solitude/​mediation, and so forth.

So, if you find your­self in one of these rare sea­sons as well. Resist the urge to fill the void. Embrace the empti­ness, attempt to pro­long it as long as pos­si­ble, and use the time to focus on the fun­da­men­tals of your life.