Find Your Spare Tire Before You Need It

Good morning, and happy Hump Day! I hope your day is off to a great start.

Yesterday morning was a jolt to the system. After 12 weeks of being able to start my day at my own pace, I found myself in unfamiliar territory – two rug rats who were a lot more awake than I was, and a tight schedule to get dressed, eat breakfast, and leave for work. Okay, “leaving” means climbing down a flight of stairs to the basement, but it counts.

Abrupt change is a shock to the system, even if it’s something you want. I have to be honest. I wasn’t heartbroken at the prospect of spending a few weeks at home in January. It was a taste of what retirement might be like. The verdict is in – I’ll survive that just fine when the time comes. I never resorted to leather sandals and black knee socks, but the rest felt pretty good.

Still, in the back of my mind, I knew it was temporary. Any time that fact slipped my mind, I had my wife to remind me. Women worry about these things a lot more than men. I knew we’d be okay. I’m a glass-half-full kind of guy most of the time. Any time it starts looking empty, I just pour it into a smaller glass. And a shot glass is still technically a glass. I’m just saying.

Thankfully we had some things going on the side before my job went away. Not enough to live on, but every little bit helps. It’s important to have something to fall back on while you still have the ability to stand. Because sooner or later, something will come along and kick your feet out from under you. And trust me, that ground gets a lot harder with age.

When that happens, our first reaction is usually some level of panic. Then we start to think a little more rationally. Finally, creativity slips in and we start looking at things we’d never considered. The only problem is most of those creative ideas require a little time to start generating an income. If only you’d started six months ago. Sound familiar?

And what happens? The crisis ends, and we go right back to what we were doing before. Only this time, it’ll be different. Because we said so, that’s why. And if the same thing happens again, we’ll be a lot better prepared. Only next time, it won’t be the same thing. It’ll be something you’d never anticipated. Like now. Who would’ve ever dreamed of something like this?

Well, you know what they say about doing the same thing and expecting different results. It’s delusional, at best. My street has two ends. They never change. I can drive from one end to the other, and I’ll always end up in the same place. It doesn’t matter how I drive, or what kind of car I use. The destination is always the same. Unless the brakes fail. Then things change real fast.

That doesn’t mean what you were doing before is all wrong. But if what you were doing left you high and dry with nothing but a savings account to fall back on, you may want to consider a different approach moving forward. And the time to get started is now – before the need arises.

Cars have a spare tire you hope you never need, but potholes happen. And when they do, they can literally knock the wind out of your tires. That’s pretty much true with most things in life. Things will never be the same as they were, and they won’t always go the way we’d planned. The question is, do you have a spare?

Dad always used to remind me to check the air in my spare tire. You see, it’s not enough to have something on the back burner, forgotten until the need arises. A spare tire needs an occasional shot of air, fire extinguishers need to be recharged, and fallback sources of income need to be running above idle. At the very least, keep some gas in the tank. Good stuff.

Change affects us all in different ways, and preparation helps to minimize the impact. Hopefully you were ready for this crisis. But could you do it again next year? It could happen. You can save yourself a lot of sleepless nights by finding that spare tire today. Hopefully you’ll never need it. In that case, it’s just money in the bank. And who couldn’t use a little of that?

That’s all for now. Have an awesome day!

© 2020 Dave Glardon – All rights reserved

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