Financial Planning, Personal Responsibility, it matters !

Like most people, I can appreciate wanting to enjoy life and not worry too much about tomorrow.  Yet in today’s world, being practical can make a big difference in the quality of your life in that not so distant future.  How many people do you know who have a retirement plan and have systems in place so that they can enjoy their life at 60 or 75 years old, not having to sample pizza at the local supermarket, just to cover meager living expenses.  Don’t laugh, it’s very sad to witness and all too prevalent.  At that point, believe me, it is no party.  Even someone 20 years old needs to think very seriously about the reality of making a decent living.

When you introduce the concept of  www.ShopToEarn.net/suzyk to new people and they tell you that they are not interested, often before they even know what it is…you may want to ask them a few questions.  Show them that these are things that matter, issues that you have considered and chosen to take action.

Find out if they have a retirement account that is regularly funded and at what age they plan to stop working.  Is that adjusted for inflation?  Do they have a budget?  How much do they spend each month compared to what they have coming in?  Are they satisfied and optimistic about their future?

You do not need specifics as to how much they have saved or what they make.  The point is to find out if they have considered these kinds of very important issues.  If they smirk and act like that is a ridiculous question, then see what else you can learn about that person.  Do they have anyone who will be able to take care of them, if they are unable to pay bills, get health insurance, have a secure home?  If the only thing that they can tell you, is how much debt they have, then clearly this is someone who would benefit from an opportunity to improve their situation.

But do they want to?  See if you can find out why they are so resistant.  Is what they are doing now, working for them?  Are they satisfied with their quality of life?  What are their goals, do they have any?  How do they imagine their life in 10 years?  Getting married and having children is a nice vision, but did you know that by the time a child is 18 years old it will cost over 1 million $$ to educate, house and feed and provide health care for just one child.  Not to mention the importance of being emotionally fit to be a role model for that innocent life that you brought into the world.  Yikes.  Have you tried to buy a house lately, get a car loan, how about dental care?  How is your credit score?

All of these seemingly simple necessities involve having a steady income that is not only enough to live on, but provides enough $$ to SAVE for the future.  Don’t hold me to the details, but I know that saving $100 a month at age 25, when you are 50 you will have $1M.  If you wait til you are 35, you will have $200,ooo.  Big difference and won’t get you very far in 2035.  Where are you in that matrix?  Does everyone you know have that?  When you are young, it’s easy to believe you can always get another job somewhere, ..but how long can you do that?  Do you have a skill that somebody needs and will pay good money for? 

We do this to help people, to question what it is they have done to create a life of fulfillment in the years to come.  Money isn’t everything, it is just what you need to have a home, decent food, healthcare and some pleasure on a daily basis.  Love is most important, in particular self love; that is what it takes to be a responsible thriving citizen in your community.

I watched CNN’s Black in America tonight.  Having lived in Malawi and South Africa, I know the conditions in which many of these incredible people live and somehow manage to survive in a world that we could not endure for a week.  Chris Rock’s wife Malik, has committed to giving back, to creating programs that give young people an opportunity to step outside their environment, to figure out who they are, gain self esteem and make a difference.

What do people care about, where is their passion?  Ask them.  If you can’t take care of yourself, some one has to.  Do they expect the state to take care of them?  That means taxes for social services, community programs and all those things that they keep taking away while everyone is up in arms about the government and taxes.  Where is the money to come from?

We are creating our own reality.  We are finding a way to fill a need, to utilize systems that are already in place.  It’s not rocket science, it is just more creative.  Find a need and fill it.  Bottom line, it is a process of education.  We are successful when we help people to shift their thinking and to realize that in fact, this is something that is possible, that works, and it is not that hard.  The benefits can be life enhancing, maybe even life changing.  Go to any of these overviews and trainings and you will meet people whose lives have changed 180 degrees.  They are every day people who decided they wanted more, and they got it.  Are you one of those people?  Let’s find more and make it happen.

This entry was posted on 22. July 2009 at 19:22 and is filed under ShopToEarn.net/suzyk E-Commerce Training. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response or trackback from your own site.