I Am Thankful For

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Tomorrow is Thanksgiving, and I have a lot to be thankful for. I am healthy. I just had my annual physical, and all my blood work came out perfect. My body is working just the way it should and maybe even a little better. I feel energetic, and my mind is sharp. It doesn’t mean I don’t always walk into the kitchen and remember why I am there. Those are just the little things that we put up with as time goes by.

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What I Am Thankful For

It took me a long time to learn to be grateful for everything I have. After spending half my life and law enforcement, it was hard to see the brighter side of life. I spent every day, for most of the day, living on the darker side of the world. I saw some of the worst parts of humanity on city streets and in the jungle. When you spend most of your time in darkness, seeing the light becomes difficult.

I am grateful that God gave me the ability to separate my two worlds. When I arrived home after work, the first thing I would do was take off my badge and gun. I became a different person. Much like the comics I read as a kid, I would take off the bat-suit and become Bruce Wayne. I would hang up my cape and be Clark Kent. At the door of my house, I would leave the title of Special Agent. I became Scott, husband and father, one person living in two different worlds.

30 Years

I didn’t talk about work with my family because I didn’t want them to be exposed to what I saw. It was my choice, my calling to be a Special Agent. I am thankful that I could serve people for 30 years. Even though I’m retired, I am still connected to the dark side. There are still people to be helped. The good news is I spend much less time there. I am positive and grateful nowadays.

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This Thanksgiving, I am thankful for also being called to create InspireChief. It has opened my eyes to living a life full of love and gratitude. I am thankful for being able to help and serve people in a different way than I did before. You should always be grateful for what is going on in your life right now. It is your choice on how you react to what is happening to you. You can choose to face it positively or through negativity.

Forward

Every day isn’t sunshine and rainbows, and sometimes life hits you square in the teeth. When it takes you to your knees, get up. Keep moving forward, don’t stay where you are. Keep moving until things get better. They will. God doesn’t give you more than you can handle.

I am thankful for the ability to keep moving forward through the good times and bad times. I want to continue to use InspireChief to help and serve people. Encouraging people to rely on faith and keep fighting brings a smile to my face. I will continue until my last breath.

Thank You!!

I am thankful for everyone who reads, comments, likes and follows InspireChief. I’m deeply humbled to be part of your community.

I wish everyone a happy Thanksgiving and a joyous holiday season. No matter where you are in the world, take a moment out of your day tomorrow and reflect on everything that you are thankful for. Begin to write a gratitude journal daily and see how it changes your life.

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Overcoming Despair

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Overcoming despair is my podcast today. Gloom, Despair, and Agony on me. Oh, how those words brought back a lot of great memories. I use to watch a TV show with my mom and dad back in the 70s called Hee Haw. It was a show with country comedians and musicians that would perform various skits. One of those skits had two performers singing the song Gloom Despair and Agony on me. Then they would say something funny about their trials and tribulations. They would repeat the song until another funny story. It was one of the funniest skits, and it makes me laugh today thinking about it.

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Overcoming Despair

The beginning of 2021 had not been kind to me. Nope, not one bit. Most people could not wait for 2020 to end. I, for one, would not mind going back. Yes, this is me, the guy that is always talking about moving forward. I am that guy, but I would gladly rewind the clock and go back a year.

BOP, POW, ZOINK!!

Why do you say? Well, I’ll tell you. It seems as if life had put me in her crosshairs since the beginning of the year. I had taken blow after blow after blow. Every time I overcame one punch and thought things were getting better, she threw an uppercut. Hit me right on the chin. It had been so bad I began to feel despair. The words to that song flooded my brain, Gloom Despair and Agony on me. I knew I had to find a way of overcoming despair.

Despair

Despair is defined as loss of hope; a cause of hopelessness. It is what I was feeling just a few months ago. People have called me a lot of different things in my life. The one thing no one has ever called me was a quitter. So I fought on with every weapon I had. I was not losing ground but, I was not gaining any either. Overcoming despair was my goal.

Salvation

So as I continued to take punch after punch, bad news after bad news, I began to wonder what was coming next. Luckily I do not ever take on these battles alone. I have my family, my friends, and God. On one particularly bad day, I went to bed, and as I always do, I picked up a devotional guide, Feeding On Jesus by Jennifer Arimborgo. Jennifer is a wonderful person who is a missionary in the Amazon Jungle in Peru. Her website is feedingonjesus.com.

The devotional I turned to that night was Isaiah 35:4, “Say to those who are fearful-hearted, ‘Be strong, do not fear! Behold, your God will come with vengeance, with the recompense of God; He will come and save you.'” I immediately was lifted out of my despair. God knows when you are feeling hopeless and places hope in front of you.

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Life Ain’t All Sunshine

I knew right then that everything was going to be okay. In the words of Rocky Balboa, “The world ain’t all sunshine and rainbows. It’s a very mean and nasty place, and I don’t care how tough you are, it will beat you to your knees and keep you there permanently if you let it. It is not how hard you hit it is how hard you can get hit and keep moving forward” I knew I had to take the hits and keep moving forward.

Control

I cannot control what life throws at me. Neither can you. Two things I can control are my attitude and effort. I can focus my thoughts and not give in to despair. I believe and have faith that things will turn around. Some situations are too big for you and me to handle. These are the ones I turn over to God.

There have been several times in my life that I have sailed through troubled waters. Each time God has sent me a sign to tell me he is there and everything will be all right. I am lucky I have this great team of family, friends, and God. Together we can get through any storm. Because of them, I have been able to persevere through the difficult times in my life.

Better Times Ahead

Even though the beginning of this year had been a struggle for me, I knew there were better times ahead. The years to come will be filled with difficulty but also with much happiness. Whatever life wants to throw at me in the future, I am ready for it. I have God by my side. In the end, the good times will far outweigh the bad.

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Connect With The Universe

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Today I want to talk about the subconscious mind and its connection with the universe. When I am talking about the universe, I mean God or infinite intelligence. This post is a continuation of Napoleon Hill’s book, Think and Grow Rich. Properly using your subconscious mind to connect with the universe is the 11th step in acquiring riches.

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Connect With The Universe

Your subconscious mind is the key to living the life you want to live. Controlling your subconscious mind is necessary for accomplishing goals and acquiring wealth. You can acquire happiness as well as build great relationships.

Hill states that your subconscious mind stores every impulse of thought that reaches your objective mind through your five senses. These thoughts may be called upon later through your memories. Your subconscious mind never stops working. It is there 24 hours a day 7 days a week.

Infinite Intelligence

Your subconscious mind is your connection to infinite intelligence. It uses the power derived from infinite intelligence to convert your desires into their physical equivalents. It uses the most practical means to accomplish this conversion.

You cannot control your subconscious mind completely. Inadvertent thoughts do find their way into your mind. The control you have is accomplished by voluntarily thinking, speaking, and visualizing your plan or desire. It takes time to connect with the universe through your controlled thoughts. So don’t get discouraged.

Trust The Process

To connect with infinite intelligence and turn your dreams into reality is a process. You must trust the process because mastering this process takes time. Patience and persistence are your best friends.

Since your subconscious mind never stops working, you must train yourself to control your thoughts. Your subconscious mind stores your controlled thoughts, but also works inadvertently from your uncontrolled thoughts. It can bring you fear and poverty as easily as it can wealth.

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Develop a daily practice of controlling your thoughts through positive affirmations and meditation. The more you practice, the more you will begin to believe. Continued practice will turn your belief into faith.

Persistence

You must be persistent until you have reached the level of faith. Once you reach the level of faith, you will control the negative thoughts and replace them with positive thoughts. For example, let’s say you receive an unexpectedly large bill. Without faith your first thoughts will probably be fear, and how will you pay for it. With faith, your mind will be calm because you know that the money will come to pay it in full.

Your subconscious mind works best when your thoughts mix with feelings and emotions. It doesn’t work as well with thoughts coming from the reasoning part of your mind. As I discussed last week, sexual desire is our strongest emotion. Tapping into this emotion will increase the output of your subconscious mind.

Feel The Emotions

Hill further states, “There is evidence to support that the theory that only emotionalized thoughts have any actionable influence upon the subconscious mind.” Therefore, don’t just think about your desire. Feel the emotions that you will have after manifesting that desire. Before visualizing how your life will be, think of something that evokes an emotion in you.

Positive Or Negative

Remember that emotions can be positive or negative. Here is a list of the seven major positive and negative emotions.

Positive Emotions:

Desire

Faith

Sex

Enthusiasm

Romance

Hope

Negative Emotions:

Fear

Jealousy

Hatred

Revenge

Greed

Superstition

Anger

Positive and negative emotions cannot occupy the mind at the same time. Only one can dominate. Avoid negative emotions. Make sure that positive emotions become your dominating influence in your subconscious mind to connect with the universe.

I hope this provides you with a little insight into the subconscious mind and its connection to the universe. Don’t forget to like, comment, and follow. I appreciate each person who reads my posts and listens to my podcasts.

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The Mystery Of Sex Transmutation

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In this podcast, I am continuing to talk about Napoleon Hill’s book, Think and Grow Rich. The 10th step toward riches, The Mystery of Sex Transmutation. I will admit that I had a difficult time understanding this chapter. I read it several times until I believe I finally understood it. It is simply a sexual energy transfer to increase creativity.

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Sex Transmutation

According to Hill, the emotion of sex has three constructive potentials. First, sex is necessary for the perpetuation of man. Second, sex has the potential to maintain a healthy mind and body. Third, sex has the potential for the transformation of mediocrity into genius. It is done through transmutation by a sexual energy transfer to increase creativity.

The mystery of sex transmutation isn’t complicated. Sex transmutation is switching the mind from thoughts of physical expression to thoughts of some other nature. It is simply a transfer of sexual energy into another form of energy. Transmuting your desire for sex into accomplishing your goals will open up your creative mind.

Directed Sexual Desire

It can be argued, that when people go astray, the main culprit is sexual desire. Hill states that men have risked life and reputation to fulfill this desire. It has cost people vast fortunes. In contrast, when harnessed and directed to another outlet, sexual energy can be used to create great literature, art, and wealth.

The desire for sex is the most powerful desire we have as humans. It makes sense to harness this power and use it to accomplish greatness. Sexual desire can develop imagination as well as increase courage. It will develop willpower and persistence. Sexual energy transfer will increase your creative ability.

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It’s Natural

Sexual desire is innate and natural. It should not be suppressed or eliminated. You should use sexual energy transfer to increase your creativity. Give this powerful desire another avenue to express your creativity. In this chapter, Hill reveals that scientific research at the time disclosed that men of greatest achievement have highly developed sexual natures. Also, these men were motivated by the influence of a woman.

How?

How can you use sexual energy transfer to increase creativity? First, continue to have a healthy sexual relationship with your loved one. Think of a particular passionate event or someone who stimulates a sexual desire in you. You will open up your creative imagination and increase your vibration, therefore connecting you with the universe.

The Law of Attraction or Assumption states that your thoughts become your reality. By thinking of the person you want to become, you are determining your reality in the future. To make this happen, you must add emotion. Since sex is our most powerful emotion, it is the key to your creative imagination. Your creative imagination is the direct link between you and infinite intelligence.

Final Thoughts

Use sexual energy transfer to increase creativity. I often say, that before a session of meditation/visualization, I think about the first time I saw my wife. This image invokes much emotion and puts me in the perfect mindset to increase my creative imagination.

I hope everyone increases their creativity, and I appreciate everyone that visits my site. Please continue to like, follow, and comment. I would love to know your thoughts on this topic of sexual energy transfer.

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Motivation or Self-Discipline

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When you decide to change, you will need help along your journey. You can find this help from extrinsic motivation or through self-discipline. I know people who listen to motivational speeches every day. In contrast, I know people who do not believe in motivational speeches, and both are successful. Therefore, the question is which is better, motivation or self-discipline?

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Motivation

Motivation from other people is short-term. It is like eating a candy bar for energy. The sugar will get you started, but it will not sustain you. Listening to a good motivational speech will get your adrenaline pumping. You feel like you can conquer the world.

Listening to motivational speeches over time will produce less adrenaline, and the impact the speech has on you is not as powerful. You might find that after the speech is over, you quickly lose the energy it gave you. In the short term, a motivational speech will have you believe. Over the long term, you can lose that belief. A motivational speech does not build faith.

Self-Discipline

Self-discipline is long-term, and you will find that it will sustain your efforts towards accomplishing your goals. If motivation is like a candy bar, self-discipline is the healthy food that gives you energy all day. It is doing those activities you know you are supposed to be doing.

Self-discipline does not wear down or fade. It does not affect producing adrenaline. Self-discipline will still give you that feeling that you can conquer the world only not through chemistry. That feeling comes through belief in yourself. Self-discipline conquers fears and doubts. It stretches your comfort zone and turns belief into faith.

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Which One?

Which is better, motivation or self-discipline? The answer is both. You would not want to rely on extrinsic motivation alone, but a good speech is a great way to start your day. Think of it as a cup of coffee. It will get you going in the morning, but the effect will wear off over time. If you are self-disciplined, you will create your motivation.

Science Stuff

Gro Jordalen from the Norwegian School of Sports Sciences studied the correlation between motivation and self-discipline in athletes. She determined that elite athletes rely on both. Her studies showed that strong self-discipline influences how motivated you are. She also found that extrinsic motivation will lead to higher burnout rates.

In short, motivation will get you going, but you will need self-discipline to accomplish your goals. Developing self-discipline is necessary for your journey to change. It is great to hear someone tell you that you can become a different person. It is only through the development of self-discipline that the change will happen. To be successful, both motivation and self-discipline are needed.

How?

How can you develop self-discipline? Keeping things simple and taking baby steps. When I was younger and wanted to get back in shape, I would listen to a motivational song and get fired up. I would then take off running at a hard pace. I would not last long at that pace and would soon be struggling. The extrinsic motivation of the song had faded. I tried to do too much too soon. Eventually, I learned to take baby steps.

Deciding to become a different person is a huge change. Our brains are wired to prevent such changes, and you will incur resistance. Therefore, don’t try to make a big change all at once. Change small things about your routine. Wake up a half-hour earlier than normal instead of three hours earlier. Plan out your day instead of trying to plan out the entire month. Make little stretches in your comfort zone.

Small Changes

Making small changes to your daily routine will lead to big changes to your lifestyle over time. This time next year you will be a completely different person and not even realize how you got there. A little self-analysis will show how these little changes developed your self-discipline. You are now a truly motivated person.

Cites

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15 Habits That Will Make You Wealthy

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Most people in the world are not wealthy. It is said that 96% of the wealth in the world is created by 1% of the population. When you look at this statistic, what do you see? I see opportunities. We live in an unlimited universe. Each one of us can create wealth. You can increase your wealth by changing your thoughts and developing new habits. Below are 15 habits that will make you wealthy.

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15 Habits Of The Wealthy

What is wealth? Wealth is an abundance of valuable material possessions or resources. Wealth is subjective. What you consider wealth could be different from what I do. Is it a certain amount of money? For some, the answer is yes. For me, I relate wealth to being financially independent.

Financial independence means the following three things in my mind. First, it means time. You no longer trade time for money. You can now spend more time doing the things you love. We all have the same amount of time each day, 1440 minutes. How do you spend yours? Second, it creates options. You are no longer limited to doing things based on price. Eat at the most expensive restaurants and order what you want. Finally, financial independence means peace. Unexpected situations will arise in life. If money is not a problem, these situations are easier to manage.

Wealth Mindset

What is the difference between people with wealth and others? It comes down to one thing, your mindset. Do you have a wealth mindset or a poverty mindset? Begin to cultivate a money mindset. To do that, you must change and become a different person. You have to leave the old you behind. Create thoughts seeing how you want to live in the future. Visualize these thoughts. Your thoughts will become your reality. Eliminate negativity from your life and create new habits.

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15 Habits

Here are 15 habits that will make you wealthy:

  1. They always have a vision. They know what they want and visualize it daily. Their definite purpose is always on their mind.
  2. The wealthy do not work for money. They have learned how to make money work for them. Trading time for money will provide you with a good life but not a great one.
  3. They eat healthy & exercise. Taking care of their bodies gives them more energy to be productive.
  4. Wealthy individuals live in the future. They know that their current thoughts will become their reality. It doesn’t matter where you came from; it’s where you’re going.
  5. Rich people are not afraid to fail. Failure is part of the process of becoming wealthy. They learn from their failures until they succeed.
  6. They wake up early. This gives them time to think and meditate. It prepares their mind for the challenges of the day.
  7. Wealthy people give thanks every day. They show gratitude for what they have and realize it can be taken away.
  8. The rich don’t waste time with television or social media. They realize that the negativity that comes from all forms of media. 70% watch an hour or less a day.
  9. They love to read. The wealthy spend time every day reading and expanding their minds. Develop a habit of reading daily for self-improvement.
  10. The wealthy have mentors. They develop a mastermind group to help them gain knowledge that they don’t have.
  11. Goal setting is a priority. They set goals, develop a plan, and work towards accomplishing their goals.
  12. They eliminate negativity in their life. This includes thoughts, habits, and/or people. Hanging onto negative people gets you nowhere.
  13. Wealthy individuals are always learning. They learn how to manage their finances and daily lives. Most importantly, they learn how to market themselves.
  14. They believe in abundance. Our universe provides an unlimited supply for everyone. The wealthy have learned how to tap into that supply.
  15. They make each day productive and driven by results. So much of your day can be occupied by nonproductive activities. Wealthy people avoid them.

Are You Satisfied?

Men and women who are financially independent do things differently than those who aren’t. By creating the same habits in your life, you can begin to change. Your habits have gotten you to where you’re at right now. If you’re satisfied, keep doing what you’re doing. To improve your situation, begin filling your day with these 15 habits that will make you wealthy.

If this post is helpful to you in any way, please leave a comment and let me know your thoughts on it. If it wasn’t your cup of tea, let me know also. I’m always looking to improve, and your comments help.

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Mastermind Definition And Power

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I am continuing to talk about the book Think and Grow Rich by Napoleon Hill. Today I will discuss the ninth step, Power of the Mastermind, The Driving Force. Do not try to accomplish anything alone. Acquiring power by the Mastermind Principle will help you to attain your goals. Listen to my Podcast above to learn about the Mastermind Definition and Power.

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Mastermind Definition And Power

Power is essential for success. It is defined in many different ways. One definition of power is; power is organized and directed knowledge. Napoleon Hill believed in acquiring power by the Mastermind Principle, which helps you gain the knowledge you need for success. The sources of knowledge are:

1. Infinite Intelligence;

2. Accumulated Experience; and

3. Experiment and Research.

Knowledge

Infinite Intelligence comes from the universe and allows you to use your creative imagination to gain knowledge. You can acquire this knowledge through meditation and prayer. Accumulated Experience comes from tapping into the knowledge that others have shared. This knowledge is contained in libraries, the Internet, etc. Experiments and Research are conducted to gain new knowledge. When knowledge is not available through accumulated experience you can find it through experiment and research.

Converting Knowledge Into Power

Knowledge converts into power by organizing it into definite plans and expressing those plans through action. Develop a burning desire for your definitive purpose. Create a plan to obtain it. Put your plans into motion through everyday action. Your knowledge becomes powerful and more knowledge becomes available to you.

The Definition Of Mastermind

Hill tells us the Mastermind definition is the coordination of knowledge and effort, in a spirit of harmony, between two or more people for the attainment of a definite purpose. The Mastermind Principle has two characteristics:

1. Economic;

2. Psychic or Spiritual.

The economic characteristic is simple and straightforward. It is economically advantageous to surround yourself with the advice and knowledge of other people. If you want to create wealth, get advice from a wealthy person.

The psychic or spiritual characteristic is more difficult to comprehend. When two minds come together a third force is created. This becomes like a third mind. A human mind is a form of energy. When two minds come together it forms an affinity or a marriage.

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Energy

Energy is the building block of everything created. Nature can translate energy into matter. Matter is a physical substance that occupies space and possesses mass. This is distinct from mind and spirit.

As humans, we build through our thought processes. By creating a Mastermind group, our brains tap into more knowledge, therefore, becoming more powerful. Think of your brain as a battery. A group of batteries is more powerful than one. Therefore, a group of brains creates more power than a single brain alone.

Henry Ford

A great example of acquiring power by the Mastermind Principle is Henry Ford. When Ford went into business, he was poor, illiterate, and ignorant. Despite this, within ten years, he had overcome all these shortcomings. Twenty-five years after he started, he became one of the richest men in America.

After becoming friends with Thomas Edison, his business grew in leaps and bounds. His most outstanding accomplishments did not occur until after he met Henry Firestone, John Burroughs, and Luther Burbank. Henry Ford is a prime illustration of acquiring power by the Mastermind Principle.

Final Thoughts

Throughout history, men and women have utilized the Mastermind Principle to increase the power of their minds and accomplish great things. If you do not find yourself progressing in obtaining your goals, look for someone to join you. Set a goal, develop a plan, and put action into your plan. Maintain harmony within your group and watch your progress grow.

I hope you enjoyed this post and podcast, Mastermind Definition And Power. Don’t forget to like, follow, and comment. I would like to know if anyone has utilized the Mastermind Principle and what your results were. Also, subscribe to my email list and podcast.

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4 Steps To Becoming Persistent

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I am continuing to talk about the book Think and Grow Rich by Napoleon Hill. Today I will discuss the eighth step, Persistence, The Sustained Effort Necessary To Induce Faith. Once you turn belief into faith you will become unstoppable. Faith is an essential ingredient to accomplishing your goals and dreams. These 4 steps to becoming persistent will change your life.

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Persistence

Hill states that persistence is an essential factor in changing desire into its monetary equivalent. The basis of persistence is willpower. Titans of industry are often described as cold-blooded and ruthless. This is because they have the willpower to obtain their objectives. Henry Ford was described this way because of his habit of following through on all his plans with persistence.

Most people will quit and give up on their dreams at the first sign of failure. They lack the willpower and persistence to carry on when things are not going well. Many people are motivated to change their situation, but few have the discipline to work at it day after day without seeing results. The small percentage who live on their terms and have achieved financial independence have persistence.

Your WHY

These are the ones who begin with a desire to change their lives. They have a reason to make that change, the WHY. If their WHY is big enough, they will fight through every obstacle and be persistent in the pursuit of their desire. Persistence, when nothing seems to be working, will build the belief that they can change. As they continue being persistent, their belief will turn into faith. The ones who quit will never know what it is like to have faith. What does persistence mean? It means working on your plan every day until you build faith.

What To Do?

So what do you do if you are weak in persistence? Firstly, you can set up a schedule and make sure that you work toward your desire every day. Doing anything is better than doing nothing. Probably the best method of becoming persistent is to set up a mastermind group. A person or persons in your group will help you stay on track. The group will be able to keep each other accountable.

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Your Group

At the beginning of the year, I was very persistent. I was working towards my goals every day. One of the members of my mastermind group and I formed an accountability circle. We would talk every Monday and discuss the things we did during the week towards accomplishing our goals. It made persistence very easy because neither one of us wanted to disappoint the other. What does persistence mean? It means forming a mastermind group to keep each other accountable and on track.

There is no substitute for persistence. It is important to remember at the beginning of your journey towards change. In this time, when everything is difficult and slow, you might experience many failures. Through persistence, you recognize these failures as steppingstones to success. It will keep you from becoming disheartened and giving up, which is the ultimate failure.

Money Mindset

To obtain wealth or financial freedom, you will have to develop a money mindset. If you are struggling financially, it is because you have a poverty mindset. You focus more on bills and debt than you do on ways to increase your income. A money mindset is developed through persistent effort. Thinking, speaking, and visualizing your financial freedom daily will change your situation.

Our subconscious mind works every day, all day. It is working when you are sleeping, and it is working when you are awake. It is picking up your words and thoughts and translating them into your reality. To change your reality, you must be persistent in your words and thoughts. Speaking positive affirmations and wealth affirmations every day will reprogram your subconscious mind.

Discovery

Persistence will lead to the discovery of new techniques and strategies in which to accomplish your desire. Persistent thoughts of wealth will lead to direct discoveries via the Internet or books etc. It will also lead to indirect discoveries such as social media posts, emails, meeting new people, etc. Being persistent in pursuing your desire will open you up to the unlimited universe we live in.

4 Steps To Becoming Persistent

Hill describes four simple steps to develop the habit of persistence. These four little steps can have an enormous change in your lifestyle. The four steps are:

  1. A WHY. Your definite purpose is coupled with a burning desire to accomplish it.
  2. A definite plan to which you consistently apply action.
  3. Closing your mind to all negative and discouraging influences.
  4. Allying with one or more persons to keep you accountable.

That is it; that is all it takes to develop a habit of persistence. Once you develop this habit, your belief will grow until you develop faith. When you know the feeling of faith you will know that nothing can stop you from achieving your desire. Your life is going to change for the better; it is just a matter of time. Do these 4 Steps To Becoming Persistent. What is the meaning of persistence? It’s quite simple. Persistence equals SUCCESS.

Cites

https://unsplash.com/@brett_jordan

https://unsplash.com/@marcuslofvenberg

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5 Things I Wish I Knew Before Retirement

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I have been retired for seven years now, and I enjoy every minute of it. I retired when I was 53 years old but could have (and should have) retired at the age of 50. There has been a lot to learn in my retirement. I can describe my retirement in one word, options. There are unlimited options for me now that I didn’t have when I worked for the government. I can be or do anything I want now. Listen and learn about 5 things I wish I knew before retirement.

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5 Things I Wish I Knew Before Retirement Episode 9

When I was working, I attended a pre-retirement seminar a couple of years before I retired. We were allowed to request attendance five years before our minimum retirement date. At the end of the seminar, I wrote on my evaluation that it was great information. The only problem was we needed the information sooner. It was too late for a lot of people to do what was needed for a comfortable retirement. Here are five things to do for a comfortable retirement.

  1. Begin Planning Early.
  2. Develop Specialized Knowledge and Skills.
  3. Find a Good Financial Planner.
  4. Begin Saving Early.
  5. Pay off Your Mortgage.

Start Planning For Retirement Early

When I started my career, I was 23 years old. Two things that I never thought were going to happen back then were: I would retire; I would get old. When you are young you never think about getting old, but it is inevitable. It happens to all of us. Starting your career is when you should start planning for your retirement. Begin thinking about what you want to do and how you want to live when that day finally comes.

Beginning your plan early will allow you to adjust to everything life throws your way. Sometimes life throws you the good things, marriage, children, etc. Other times the bad things are death, injury, sickness, etc. Good things and bad will affect your retirement. By planning for the future early in your career, you can minimize the impact.

Things To Do Before Retirement

During my 30 year career, I developed certain skills and knowledge. After I retired, I learned that most of my skills and knowledge did not transfer to my new life. If you have generalized skills and knowledge, you will learn that every retiree has the same skillset. There is a lot of competition. Finding your niche will help you stand out against the competition. I suggest that you research, throughout your career, skills that are needed in the private sector. Take courses and study those skills to gain the knowledge that you need.

Find a good financial planner. Unless you are an expert on finances, you will need a financial planner. They can help you make the right decisions with your money. This step will allow you to keep as much money as you can before retirement. It is a big change to go from knowing a check comes every two weeks to a smaller check arriving once a month. You will need to supplement your retirement with other sources of income if you want to maintain your current lifestyle.

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https://unsplash.com/@juliusyls

Save

Begin saving as early as you can. The earlier you begin, the more money you will have in retirement. I always put money into my Thrift Savings Account, which is the government 401(k). If I had to do it over again, I would maximize my contributions. In retirement, you can use your savings to supplement your retirement. I withdraw a certain amount every month. Because the stock market has done so well, my savings have increased.

Saving early is probably the most important thing you can do. I recommend setting a goal for the amount of money you want to save before retirement. For me, the best thing was having it withdrawn from my paycheck and placed into my account. Out of sight, out of mind. Since I never saw the money, it was like it never existed. My savings account would grow every two weeks without me doing anything.

Pay Off The House

Pay off your mortgage. My mortgage is my largest expense, as it is for most people. Since I transferred a lot during my career, I was not able to pay off my last mortgage. I bought houses and sold houses; made and lost money. If I had stayed in one location, in the same house, I would not have to worry about a mortgage now. I think about what I could do in the places I could go if I did not have a mortgage. If at all possible, pay off your mortgage before you retire.

These are just 5 things I wish I knew before retirement. I am not an expert on retirement or financial planning. I hope you will begin thinking about retirement now that you are young and not wait until it is too late. Do your research, make a plan, and find a financial planner to help you. Always remember to start saving early.

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What Action Can Do For You

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All right, you have decided to become the person others want to be. You’ve taken that first step on your journey. Your goals are made, and you have written a detailed plan for accomplishing them. Now what? How are you going to get to that finish line? You see, it’s all a waste of time and energy if you don’t begin to do the work. You have to crack that egg to make your omelet. Congratulations! It’s time to take that first step on your journey to a new you. See what Action can do for you.

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What Action Can Do For You Episode 8

This step is the most important, ACTION. Once you have made your decision to accomplish anything, 50% of the work is finished. Congratulations once again; you are already halfway there. The other 50% comes from the action of getting it done.

It’s great that you have set your goals, written a good plan, and are ready to change. Unfortunately, nothing will change without ACTION. You must do the work. This step is what stops most people. They are unwilling to do the work and make sacrifices. It is why only 1% of people succeed. You are not like most people. It is inside you to get moving and take that step.

A Smal Change

A small change in your thought process can result in a large change in your lifestyle. That change is called ACTION. Inaction creates procrastination. Why do you procrastinate?

Your comfort zone is too comfortable.

You have a fear of failure.

You have a fear of success.

Moving out of your comfort zone is difficult. It’s called a comfort zone for a reason; it’s comfortable. You do not like to be uncomfortable, no one does. But it’s necessary for change.

Fear Of Failure

Whenever you decide to do anything significant, like change, you experience a fear of failure. It is common. Those annoying little Doubt Demons will come out of hiding, repeating those thoughts of failure. “What if I fail? What will people say?”

Fear Of Success

Procrastination also comes from a fear of success. Many people do not see themselves as being successful. What will happen in your life if you succeed in accomplishing your goal? How will your life change? If your business becomes successful, how will that impact your time? Your family? You will have to deal with these fears before you can take that first step.

Other reasons for inaction and procrastination can be:

Your goal is overwhelming.

It’s too complicated.

The timing isn’t right.

Overwhelming Goals

Goals can be overwhelming. Think about if your goal is to become a published author. The thought of coming up with an exciting plot and intriguing characters that keep the readers engaged is overwhelming. Writing 50,000 to 100,000 words can be staggering.

When you start on a new journey, there can be a learning curve. Your goal can seem too complicated. If you decide to start a new business, you might not know what it takes to run a business. You will have to spend a lot of time studying and learning.

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Timing

Probably the greatest cause of procrastination is timing. You want to change your life, but today is not the best day to start. You don’t feel prepared. Equipment needs to be bought. You need to read How to Books. If you decide to begin an exercise program to lose weight. Procrastination sets in because you don’t have the right clothes.

I’m here to tell you that all the reasons outlined above are one thing. EXCUSES! They all stink.

One Way

There is one way to overcome procrastination which is created by inaction, and you know what it is. ACTION! When you take that first step and put your plan to action, it does some marvelous things to your mindset.

It conquers your fears.

Provides you with the knowledge of how you’re going to accomplish your goal.

K. I. S. S. Things become simpler.

You will eliminate all excuses.

It will ignite a passion within you.

Stepping out of your comfort zone will become tolerable.

You will learn how to embrace failure.

Action will chase those Doubt Demons back into their hiding place. You will be able to control and conquer all your fears.

Your Why

Focusing on your WHY will keep you from worrying about how you’re going to accomplish your goals. You will learn new things and techniques to put your plan into motion.

Your mind will take your overwhelming goal and break it down. You will look at your project in smaller, more manageable bits. How do you eat an elephant? One bite at a time.

All the excuses that caused you to procrastinate will become trivial. With ACTION, you will begin to eliminate your excuses one by one. Pretty soon, they will be all gone.

The greatest reward of taking the first step in putting your plan into ACTION is passion. It will ignite a passion within you to achieve your goal. Once you have lit this passion, you become unstoppable.

Stretch Your Comfort Zone

Stepping out of your comfort zone is hard. Possibly, one of the hardest things you do. Once you are out, you realize that you can survive. Even though it might not be comfortable taking ACTION, you find that it is tolerable.

Failure

Failure is going to happen. Anyone who has ever accomplished anything has had many failures along the way. The reason that they were successful was that they persevered. You are going to have failures and setbacks along the way. Embrace your failures, do not hide from them. Do not use them as an excuse to quit. Once you fail, you are closer to success. They are just steppingstones along the way.

Do you find it difficult to get started when you decide to begin a journey to change? Are you a victim of procrastination? Have you found that just doing something without thinking about it is easier for you? Do you have a story on how you defeated procrastination with action? If so, I would love to hear about it. If you have not joined my email list yet, click on the blue-button above. You will be able to receive my newsletters, e-book, courses, etc. You can find everything you need to grow your self-confidence.

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