Are You Outsourcing Your Future?

Good morning, and happy Friday!  I hope your day is off to a nice start.

So, by show of hands, how many of you pay close attention to your investments?  Like, really close.  I do.  Okay, I don’t even know what my investments are, because I give somebody else a bunch of money every two weeks and they play with it for me.  Uncle Sam calls it a 401(k).  The rest of us call it our only hope for retirement.  Which explains all the old folks working in Walmart.

I’ve tried learning the economic signs that point to ups and downs, and I’m completely lost.  Gas prices, unemployment, inflation, gross national product, who’s running first in the electoral polls … I can’t keep up.  And none of it seems to matter, because just about the time you think you’ve got it figured out, Wall Street comes along and laughs in your face.

It reminds me of the movie “Trading Places,” where the Duke brothers are trying to explain their business as commodities brokers to Billy Ray.  “Tell him the best part!  Whether our investors win or lose, Duke & Duke gets their share!”  Where can I get a job like that? 

In “Rich Dad, Poor Dad,” Robert Kiyosaki makes no secret of his disdain for the stock market.  Sure, you can make money.  And you can lose it, too.  Most of us don’t have the financial insight to study the Wall Street Journal and figure out the market, so we hire people who have no life to do it for us.  We bet our entire future on their ability to win.  Smart, huh?

I’m not against the concept of a 401(k), mostly because it’s an easy way for me to put my paltry sum of money in a pool with a bunch of other people and pray we don’t all go broke.  And, over the years, it’s been pretty good to me.  But if I had to retire on what I’ve got saved today, I’d have to die next January. And I’m betting I’m not alone in that.  Which explains all the old folks playing the lottery.

So, here’s my question.  If we’re willing to invest our own money in somebody else’s success for just a cut of the profits, why not invest in ourselves?  Take a class.  Read a book.  Start a business.  Oh, and here’s the fun part – once you’ve started, follow through!  Find something that works for you, and then keep doing it. 

Success won’t come overnight.  It never does.  But if you believe in what you’re doing enough to get started, then believe in yourself enough to finish.  Take control and make it happen.  You can do this!

That’s all for now.  Have an awesome day, and I’ll see you next week!

© 2023 Dave Glardon – All rights reserved

It’s Cold … But Only You Can Light the Fire

Good morning! It’s Friday again. Hope your day is off to a great start.

For many of us here in the US, yesterday was a day of reckoning. The groundhog saw his shadow, which basically means a couple of grown men in top hats told the rest of us they heard an overgrown rodent talk. I think maybe they need to get back on that lithium drip. Let’s just get this out right now – animals don’t talk! Parrots don’t count. They’re birds.

So, the official proclamation was six more weeks of winter. And just in case we hadn’t heard that news, Mother Nature decided to throw her hat in the ring. I woke up this morning in the middle of Sonny & Cher singing that obnoxious song. You know the one. And I don’t even have a clock radio. Maybe I’m the one who needs drugs.

Yes, it’s cold out there. Really cold. If you’re one of those who lives for this kind of weather, have at it. Call the boss, cough into the phone, and then put on your snow suit and go play in it. I’ll sit right here in my basement, thank you. Yes, it’s the coldest room in the house. That’s why God made space heaters. It’s still better than being out there.

If you’ve known me long, you know I’m not a fan of winter. And the bad part is, I could be anywhere I want right now. You know, someplace warm. But the RV has two air conditioners, and my wife would be running them both. And I’d be complaining about that.

Have you ever noticed that most times when we complain, we should be lecturing to the mirror? We bring more misery on ourselves than we’d care to admit. Yes, there are always circumstances that pull us into their reign of terror, but more often than not, we put ourselves there in the first place, whether intentionally or not.

Bills fall behind. The car breaks down. You missed a deadline at work. Life is full of disappointments. But when we think back on it, we can usually point to some action or inaction on our part that is to blame. We could be making more money. We could have changed the oil. We could have started the assignment sooner.

Instead of dwelling on where you are, decide where you want to be. Then do something about it. Make the change. Read the book. Start the business. Whatever it takes. Yes, it’s cold today. We can’t change that. But tomorrow can be whatever you want it to be, so dream big! Then take the shot. If you miss, it certainly won’t be for lack of trying.

That’s all for now. Stay warm and have an awesome day!

© 2023 Dave Glardon – All rights reserved