Will You Have Enough to Retire?

Do I have enough to retireIn one minute, you will know how much money you need before you can tell your boss, or customers, to go to hell (or retire).

Even if you never exercise that option, freedom is knowing that you can.

A better description of retirement is “Financial Independence”– meaning you no longer HAVE to work, because your money works for you.

It does not necessarily mean you quit working, but in retirement you choose the kind of work you want to do. Continue reading

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The Avoidable Stress We Create

social-anxiety-disorder“What do you do?”

It’s slightly less offensive than asking, “How much money do you make?”

But it’s a socially acceptable way of asking the same thing.

It’s a way to profile you. 

We prefer simple categories.

Black and white.

Good and bad.

It’s easier to categorize someone as a lawyer, doctor or a plumber.

We can process those stereotypes without investing time to get to know them.

We are selfish. We want to know immediately what value that person is to us. What we can get from them — money, connections, friendship or love.

We’re always racing for the next thing.

American culture is to keep pressing forward.

More money.

More things.

More titles.

We rarely stop to enjoy what we have or the people we are with.

We worry what we may be missing, so we overlook the now.

It’s crazy. Continue reading

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The Three Taboos — Become the Smartest in the Room

better-decision-makingSex, Religion and Politics.

We’re not supposed to talk about them, but why do we ignore the most interesting topics of our culture?

It’s because we’re afraid to hear that our vision of reality may be wrong.

We are a species of tribes. We need to belong, so we adopt labels.

Republican, Vegetarian and Muslim are examples.

When locked into an ideology, your identity is structured on the validity of that belief system.

When your identity is at stake you have a self-preserving incentive to reject conflicting ideas — even after they’ve become irrational.

The Flat Earth Society still exists.

If you ignore alternative views, it’s foolish to insist your way is right.

It’s interesting how hostile people are to new ideas. Continue reading

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How to be Happy — Success, Money and Happiness

How to be happy

The formula for success is obsolete.

It’s the model that dictates how we’re supposed to live.

We chase success expecting that happiness is on the other end. It’s not.

But if happiness is your focus you will never find it. Happiness cannot be pursued. The more you aim, the more you’ll miss.

Life is not primarily a quest for pleasure, but instead a search for love and significance.

In other words, you will find happiness when you find a reason to be happy. Once you find that reason, happiness follows automatically.

The greatest challenge is to find meaning. Here’s how… Continue reading

Posted in Economics, Entrepreneurship, Inspiration, Lifestyle Design, Personal Finance | 5 Comments

Why Surviving is Destryoing You


We spend 18 or more years learning technical skills: math, reading and science, yet most of us never learn the skills that actually matter. 

Your success is determined far more by how you think, than by what you know.

If you want to succeed in life, you must adopt philosophies that lead to success.

For a large part of my career I’ve trained civilians, military and cops the skills needed to win a fight with their hands and with guns. 

But all of those skills are pointless until you’ve learned the one thing that matters.

And you need the same philosophy to win a fight, as you do to thrive and be happy in life.  Continue reading

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