Tag Archives: Realism

Believe and You Can Do Anything, You Can Even Become a Millionaire if You Want

Disclaimer: I am not a millionaire, nor a financial adviser. I am someone motivated by behavioral changes that create results. I would like to share my ideas with you.

I told my 15 year-old sister that if she puts $500 in a Roth IRA each month starting now, by the time she is 40 she will be a millionaire easily. I am not sure if that is true because I am bad at math. But I believe it is possible and compound interest is real. I believe that if you do something long enough, you are more persistent and you have passion, you can do anything. You can even become a millionaire. This belief system started about a year ago.

A year ago I was in debt–I still am, like most millennials, and I was trying to buy a house I could not afford, like many of my peers. My wife was losing faith in me, we argued about wanting things we could not afford, like a house. We could not find anything in our price range and we didn’t really have a price range or a plan: just buy, that was it. We were juiced or influenced by everyone around us, social media, family, and realtors. When we hit rock bottom that was the turning point. We had spent about $5k in money that wasn’t ours. We had credit cards and student loans and we needed a house. Until we realized we had bigger problems. We had debt problems. Then we stopped.

At that point I started listening to and reading Dave Ramsey, I started reading Brian Tracy, I started reading about investing and inflation, and I started working toward integrity with my partner, trying to become something and someone I thought I could never be, just better and debt free.

A year later I am trying to motivate others to do what is right for their future, for their finances. Numerous books on investing and economics and savings and I have realized that if you want freedom you must protect your finances and work towards growing your wealth your future and your family. These ideas are not new, I am not claiming to have created them, but they have drastically changed my life and my situation for the better so I feel I owe it to others to share it with them, my experience that is.

I see people in debt. I see people unable to pay their student loans and posting on social media about how they consume and use money they don’t have to buy a lifestyle they cannot afford, distracted. I see people protesting when they can fix their problems now, and help others later after they have risen out of their debt. Debt is slavery, to me.

These ideas about my sister being a millionaire by 40 have lead me here. I am about to pay off a credit card that would have been with me a lifetime. I have a plan to pay off my student loans in less than 5 years, including my wife’s. All our consumer debt is nearly gone, save for $680. We are working together as a team to make our family prosperous. It takes hard work and a plan and nothing is perfect but we have seen results in a year and I think you can change the world if you change your financial situation. Believe.

I believe my little sister will become a millionaire by the time she is 40 if she puts $500 into a Roth IRA every month until that time.

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Declutter of Meaningless Associations — There is Only Time For What is Important to You

I am not friends with 99.8% of the people I went to high school with and that is a subjective fact.  As a 31 year-old Millennial dad I find myself only having about three or four  real friends in my life at any one point in time, and I think that calculation is great! This understanding is kind of an amazing thing to consider; it’s beautiful, I love it.  I smile more.  Less of a crowd to impress, less to persuade or be a spectacle for, or to simply agree with to avoid conflict.  Gossip did that, so did a minimalist mindset. 

Moreover, I lost most of my “friends” about two years ago, around election time, around the time I realized that I didn’t necessary absolutely agree with being one of the progressive/regressive herd, or what was said on CNN or Facebook or Twitter et al. and on the mainstream news–which is everything and everywhere.  You could say I like diversity of thought.  At that time, I found myself realizing there is only time for what is important:  MY  individual  beliefs and goals.  I had to declutter my personal life of excess, so I made a plan and followed through.  It just involved being my true self and being able to walk away from things I did not need while amassing more of the essential things necessary to making my future better.  

One is aWOKEn quickly when there are mouths to feed that none of your so-called friends, the ones who don’t really do anything in a give-and-take relationship, will be putting lunch on the table or give you positive ideas and motivations or pay your credit card or student loan debt.  (Not only do they not do those things for you but YOU DO NOT NEED TO GET THEIR APPROVAL TO DO YOUR LIFE.)  I don’t expect them to, but they don’t expect you to either.  That lack of vision and support is stagnation, there needs to be positive diversity of thought in all situations.  Further, those friends may tell you big ideas and wallow, that is anitmotivational.  They may tell you they aspire but don’t have motivation or action to try, that is pro-sedentarism and takes you nowhere.  You could have mannequins around you giving thumbs up and they would do more for your self care purposes.

Realizing this is important: you make you.  Realizing it’s just you and what you make of life is key to the success you find in your life.  Friends I have lost have offered commiseration for a period of time and were necessary, approval that it is acceptable to be subpar.  Not anymore.  I declutter my basement and I declutter my friends.  I don’t need excuses or malarkey from people around me, I need action and awareness and planning, which are qualities some people my age may lack–especially the loudest ones with the biggest dreams and even bigger fingers to point at everyone but themselves.  However, I would agree some people do have these winning qualities and that is a HUGE positive, and they are close to me.  (The quiet ones with winning qualities get to work with their hands and their brains and not their mouths.)  I may be callus and I may be calculated, but only God can judge me perhaps. 

Accordingly, after reading and taking in much Brian Tracy and Dave Ramsey and documentaries on minimalism, I want role models around me, I want people who are flawed that come out better than when they started, human ones, empathetic: ones that make mistakes and come out better by experience.  I want quality not quantity.  I don’t need a bunch of virtue-signalists around me waiting for their big break.  I am flawed but I am striving for better for myself and my family and my future.  I am in debt but I have a plan to become a millionaire if I simply follow that plan. 

Everyone is flawed, so what?  I want to make tomorrow better for those I find around me and myself, so do I complain and blame or make change?  A better me means a better you for all of us.  In the past, perhaps that might have been not so, and I wondered who was around me at that point in time, what encouragement creates.  Which support systems and rules did I follow to get here or there?  Realizing that debt was controlling my life, my work, and my freedom at every moment was important to realizing I needed less of some things and more of others.  That was a great lesson but it would have never been learnt had I not been to the bottom or experienced hardships.  We find ourselves cleansing in times when we feel impure, we find ourselves taking a shower to wash clean our bodies and start new days.  I am cleansing of my student loans of credit card debt to be completely free, that is a part of this metamorphosis.  

We can think on the positive aspects of any negative situation and learn from them and and grow from them.  Every hardship or struggle or tragedy we face is a moment to learn, to come back stronger and better and more equipped to manage the world around you in the future.  We can do this with anything: friends, debt, ideology, religion, identity, etc.  Those are the times we live in; you can be a bobcat, a dinosaur, or an astronaut.

When I have a problem that I can’t solve I wait for a new day and think it over again, new thought may come my way.  This is a new day.  You have a new day now too.  Today I find myself marveling at quality not quantity.  I have friends I truly laugh with daily, truly care about constantly.  I have friends who are thoughtful and listen.  I have friends who hear my ideas and do not judge me for my honesty.  I see that with a plan and positive thinkers around me I can make it, or I can make it by myself with positive thought. 

I believe anyone can make it irregardless of everything.  I don’t have to believe that the world is ending because the television tells me so.  Or that we are going to hell because 100 % of half of the scientists in the smart part of town agree generally speaking on Headline News.  I can believe in the church but not believe in God.  I can believe that Texas Toast is made in Ohio.  I don’t have to hate a politician because everyone else does and says that I must too.  This is America!  I don’t have to show intolerance to those who I don’t agree with and then ask for tolerance from everyone around me so I can look good in my social circles, or on social media.  I can be kind all on my own, to all without being prompted.  Maybe my social circle is broken and that is tolerance.  Maybe forget social media.  Nothing is complete, except for death, probably. 

And if you agree with that and more, then that is perfectly fine, that is so.  You may just be my new friend, like at the beginning.  Perfect, right?  Well, I hope not.  Perfect is complete, ended, finished, dead.  This is just the beginning.  Maybe you will open up and cleanse yourself of the clutter you don’t need, tying you down.  You are all right with that and I am too.  Being all right is good, but it’s not the best.  You don’t have to and shouldn’t be perfect.  I am nowhere near perfect either.  Neither is this idea or this written piece, it’s fluid abstract and important and not and open to new ideas.  Though, I find myself closer to making change daily and seeing where that takes me, with or without every other individual around me who agrees or doesn’t and doesn’t change themselves or have to anyway because of it. 

There is an old saying about who needs friends, but ever better would be saying who needs you?  You NEED YOU.  Those you love NEED YOU.  They NEED YOU TO BE OPEN MINDED AND POSITIVE AND READY TO MAKE CHANGE not complaint.  I think YOU NEED YOU, too, the most because I know I need me the most too.  

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In the Time it Took for you to Talk About It

About halfway through a long-winded conversation about unfounded and baseless dreams, like most other listeners, I find myself having trouble listening.  We live in a culture where it is a good thing to have big dreams, but not a good thing to have realistic plans or have attainable goals.  That’s weird, because you can do anything you plan to do.

Dreaming is a grand activity, a fantastical practice, a fantasy envisioned, and absolutely not real or tangible.  However our dreams are powerful tools.  We dream about wanting something, attaining our desires, then we talk about achieving it, how it would be!  But there is no goal, no pathway to walk directly to it and take.  We are stuck in the talking about it and that is about it.

So, in the time we listen, in the time it took for you to talk about it you could have written up a plan to go and make and create and have.  Made a step A through finished, fruition, success, completion.  I will attempt to listen though I would rather pull out pen and paper and set things in motion to help you do what you want to do, to help you become the dream master.

I am not therapist, not counselor, I am an ordained minister by request, though I feel I could charge for giving advice about planning.  But I learned it for free in books.  Just make a goals list each day and complete those goals.  I do this because it is simple: nothing happens without being planned.  I heard recently: there is no happenstance.  Imagine.  I think you should stop talking and make plans, you should do and show.  Save the tell.

How spontaneously getting involved in a Grassroots Political Campaign helped me discover the most important thing in the world, let me explain

I am going to tell you what the most important thing in the world is in this post, are you ready?  Accordingly, by the time you are done reading this post you will have learned one of the most important concepts that there is to learn in life, it will feel good.  You will be improved and feel positive.  Let me start with by saying, I found this valuable idea by volunteering for a political party, doing grassroots campaign calls and giving surveys in my spare time.  That is where I found this important idea and why I want to share it with you.

I have never been more excited to share something that wasn’t a sales pitch.  Do you ever get this line from people?  I digress…  That is not what this essay is about, it’s about talking with random strangers on the phone about random strangers who may in a sense rule them and getting something actually human out of it.  Our country is divided into how many parties and there are people out there talking on the phone and reading scripts and sharing ideas.  (And people listen!)  Voice interaction, the old calling someone up and saying “Hello, is (person’s name) there?…  Mind answering a few questions???”

Calling, communicating, asking questions, these things leave an impression.  Impressions are called impressions because they they are pressed on the brain, indelibly hard to forget.  (When someone thinks their ideas matter that makes them feel good.)  I give them a name, tell them more names–familiar recognition, and even if they don’t want to speak to me or take the survey, they hear kindness and associate that kindness with me, with that party.  They hear my voice, some moniker that is a very familiar one–like John or Dan, and they remember that encounter at the voting booth.

For starters, I believe that is what this nameless grassroots campaign wants to happen.  I have read a few books on persuasion, and I realize that unforgettable first impression is exactly what they want to happen.  Blank canvas, hello, think, names, ok, yes, goodbye.  However, it can be difficult; cold callers have the hardest jobs out there because voices give away everything.  Nervousness, confidence, snark.  It’s not a Facebook post, it’s an interaction, in real-time.  The campaign manager wants to be blurt out the names as fast as I can, new names, old names, take a survey, etc.  Think on those memorable names.  And after that, I am surprised people say “yes” because I often say “no” to such surveys.

Remember, this is important.  Doing things in your free time for what you believe in is important, whether that be getting your candidate elected or helping to mentor someone in literacy.  Doing a social experiment for science is important, getting into politics or marketing with persuasion is important.  Going above and beyond a Facebook post or an ad-hoc spectacle or holding a sign proves that you realistically want to do something to make change, like, perhaps writing legislature.  (We’ve all been there.)

Sure, we can all make waves in a group, that is impressive as well, yet we can get carried away from what is deep within our hearts as individuals.

I thought about my little social experiment and it doesn’t matter the party, it doesn’t matter the ideas because they are all for political effect; insomuch as Thomas Sowell said about “rent control”, in Basic Economics:  I paraphrase, it’s all hot button issues, that’s it.  But aside from the hot button political issues, in the end the underdog is the ultimate American.  The one that believes in their values when the popular majority throws them out and calls them dogs, doubts them infinitely.  That is the time when believing in yourself and doing what other people call “stupid”, “idiotic” or “wrong” on social media is the most important.

In conclusion, the most important thing is to do what is most important to you, not what’s important to everyone else and what they think about it.  Don’t worry about a sea of vehement passionists screaming accolades so you fall in line, or shaming you so you steer off course.  Stick to your plan.  Believe in your goals.  Believe in yourself.  If you can change the political color of a state, or someone’s mind, and not need to feel endorsed by everyone with their Twitter likes or their Insta-approval then it means that you are doing something right and that is important.  Even hearing “No, I would not like to take your survey…” is important because that person is telling you how they feel and making a point for what matters to them.  That is the most important thing in the world.

More information:  https://ballotpedia.org/Minnesota_elections,_2018

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How Trump’s “Secret Weapon” may have Bought the Election from Facebook for $100 Million Dollars and You just Updated your Facebook Status

Before you read this thesis watch the entire video that I share with you above. Watch it for the information about Facebook and social media, not because you dislike or like a politician, or for politically motivated reasons.

Observe this video from a marketing and social media engineering point of view. That is how the below thesis is posed.  This is in no way a political statement.  This is purely for observational purposes.

Thank you for reading in advance.  Also, you can donate to keep my blog current, and the information relevant.  Any amount helps, even a dollar.  Click the donate button.  You rock!

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Parscale attributed the success of his vast social media presence to using the assistance offered by companies such as Facebook, Twitter, Snapchat and Google. He said that because the Trump campaign intended to spend $100 million on social media, companies in that area were prepared to assist the campaign in using that money effectively.[18]

“The campaign poured money into Facebook, sending thousands of versions of tweaked ads to maximize response. Then it won the presidency by a margin narrow enough that Parscale (and Facebook) can justifiably take credit.”[19]

— Philip Bump, The Washington Post”

Link: Brad Parscale

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The contentious 2016 United States Presidential Election may have been won with a $100 million dollars, a “secret weapon”, and Facebook when used together.  Or it may have been won by any other boilerplate theory out there that can be backed by anyone, by any entity, with any statistics.

Either way, for all intents and purposes, the “secret weapon” in this theory is Brad Parscale, and his tool was/is Facebook.

Perhaps, I want to believe that the 2016 election was won honestly and fairly because I am a thoughtful American citizen and I have hope, but the more I look at the events, the more I see glaring inconsistencies in media stories of Russian Collusion and a general disbelief or ineffective attempt to look at the bigger picture objectively.  Social media played a HUGE role in this particular election, perhaps, as much so, or more, as any outside forces.

I aver, when looking at possibilities, generally we must look at everything, even information that has been overlooked from 10/08/2017 about Brad Parscale’s use of Facebook’s data/advertising tools to amass a successful, though debated, campaign–one which basically won the presidency, putting his candidate in the White House.

Moreover, to me,  the most concerning part of imagining, assessing, or thinking openly that Facebook et al. was used, with money, to command an election in such a way is that people still use the platform religiously every day without question as they cast blame/credit elsewhere.  Perhaps this is being oblivious, or willfully blind.  It can’t be Facebook, right?

Reality check: It definitely can be Facebook.  The reality is an inordinate amount of people are plugged into something (social media) that they wholly do not understand (I am in that boat), and marketers, salespeople, and data analysts are taking full advantage of that reality. (Beknownst, unbeknownst to all.) And how they do that advantageous venture is with huge, huge sums of purposed money.

Perhaps, purposed money and novel strategy, with a “secret weapon”, is what won the 2016 presidential election, along with a special tool of course: Facebook (when utilized by Brad Parscale).  Perhaps there are other entities pulling strings, but Parscale and his efforts warrant consideration, and notation.

Beyond Parscale and social media, the secondary key in this thesis is the $100 million dollars went to marketing–the unprecedentedly complex advertising itself, and the lack of the Clinton campaign to embed Facebook and other social media employees within their campaign offices, as the Trump campaign did.  And this may have swayed the election.  I consider this maneuver to be out of touch in the age of social media.  That’s glaringly foolish, in my opinion.

It’s like going to the World Series and leaving all your big hitters on the bench, extremely odd for a veteran politician…

Now, after these events, it sounds obvious to have key workers from these social media entities within your organization. Have one of the most influential and most recognized companies on your side in the most important race on the planet, possibly.  Don’t leave much to chance. That is not genius, that is obvious. It wasn’t to some, clearly.

Further, not having social media on your side on your account seems very out of touch with reality. Even if you despise Facebook and are not a member of the brand, you have to recognize that it is a powerful tool for connecting people everywhere. For example, I am not on Facebook anymore but I realize it’s marketing potential, (I also realize at Christmastime that my parents and in-laws like to connect with high school friends.  I don’t know why…  I use email).

Bringing it home, the video above is not only astonishing to me, because I am just learning about Brad Parscale, and because of the information it gives on the key marketing tactics used within social media to win an election and manipulate a demographic of people is vast and accurate, but this technology seems potentially dangerous. The scary part in any situation is that money seems to make that happen. If money wanted you to be a modern zombie or a group think solider it would already be happening.  And maybe you wouldn’t know.  You’d just go with it and update your status.  Probably not though, you are smart. 🙂

Accordingly, maybe someday we can better predict the future of everything, that is my prediction for the future.

For what it’s worth, with much of the media linking Parscale to Russia and basically making him look like a Sith lord in  article photos, I think he could certainly be a critical part of understanding the 2016 presidential election, and definitely to harnessing momentum in future elections.  At least his methods are very straightforward, in appearance, and no-nonsense.  Definitely they are of interest.

His use of social media tools to reach an audience with a campaign message has never been done before at such a level, and he has worked on “zero” elections before.

In general, that utilization of resources–if that is what it truly was, is progressive and inspiring to me.  He has been overlooked; and he is right there in front of us.  As is the power of social media, but we have other excuses.  Russia is scary and influenced the election. Trump may have cheated, etc. Any narrative is believable. But look at how many people around you are on Facebook clicking around, social media, exposing themselves to it all.  Marketing is more common than the other alleged threats.  I hope you like this post.

What influence.  What money and focused ideas can buy.

Real Fake Lives: Only 47% of Millennials are Living within Their Means, Social Media a HUGE Factor in Modern Debt Acceptance

I find the hardest thing about being a Millennial in 2018 is realizing that you have to stop living the lie of overspending that our culture promotes to us, that most of my contemporaries are probably assisted into debt and prove it daily, apathetically through social media posts. And this my friends, is a marketing tactic to sell you that it is OK to live on credit and not be accountable for your spending.

Debt is “good” they tell you… sure, think about that debt payment you’ll have to pay for the next umpteen years.  Not so good then.  NO.  But my credit score?  If you don’t have cash don’t buy, any wise financial guru would tell you that.

Those out there spending money to take pictures of their food, those who pretend they have fun with friends they only drink with, those out there buying shit they don’t need, those buying (or worse!) leasing new vehicles, those out there promoting products and platforms for free while they wallow in future debt, oh god, there is not down vote button for this stupidity.  Someone out there is making dollars off of them, sad.

You have to truly realize where you are. Oh, I am a human with flaws?  Oh, I am just carbon like everyone else?  SO why try to act like you aren’t?  You can not afford to put another bar tab on your credit card. You cannot afford to pay gas with a credit line. You cannot go on that vacation and make all your followers jealous.  How will you eat next Tuesday? I had to eat a bean sandwich once: just beans between bread. I am down there.  Are you bean sandwich read?!  If not, keep doing you.

It’s time to realize what a person has to do.  A person has to live free by making themselves free.  Debt is not freedom, debt is a prison.  Each day you work to pay off our debts, you are in chains.  Get out of debt now!  Or just stop reading right here and go scroll social media for hours and forget about it.  It’s all good! 😉

Or: We have to make sacrifices. Get off your phone. I think I can’t live the fake lifestyles that I see anymore. I think I must stop taking in this bullshit. I think I have to become the frugal master.  I think I have to get angry about my debt in order to change my future.  One where I will be debt free and at the beach.  Everyone wants to change things for the better for everyone else but forgets they have to change themselves for the better first.  Don’t stop being philanthropic, but if you don’t have something to give you can’t give.  Think about it.

So, trailing off, I get somewhat acutely disturbed about others unawares debt, the lives they promote that are so costly they couldn’t possibly know. But I don’t care. I realize if most are OK on a sinking ship–which is going very down fast, more lifeboats and options for me. (I am under the philosophy: I better me, I better you.)

Now think, my first sentence was very hard to take, but if you made a penny for every Tweet or Facebook post or Insta scroll, damn, you’d be loaded, and halfway through paying off that credit card or that new phone or that student debt. Now, it’s a bit easier to understand, I hope.  That is why Facebook is rich and you aren’t. Head in outer space floating for likes and affirmation of importance.  You intelligent piece of carbon. Do you have a status update for that?

BREAKING NEWS: No Study Ever finds that your Life is Fated by Pennies, People, and Problems

This week has changed my life. Events unfolded and I became apart of the solution. This fix took up a week, and a majority of my time allotted for other projects. But the things I did learn through experience taught me one thing– oh, and finding pennies and Easter Eggs throughout let me know that I was where I was supposed to be, like everyone else is–it taught me to take it as it comes. Be where I am when I am right here right now.

Firstly, events take place, happen, go down, and unfold beyond our humanly control. (I read a tweet about this: worry is a waste of time, the past is the past, we cannot worry about things we cannot change, etc.) I understand I cannot change the past I can only change the future, hopefully. In this new “special project” I have found that positivity is the only way to move forward together. We must move onward positively together. Getting down or bummed or saddened about something will only hamper your forward progress.

Secondly, everywhere I went this week I was met with a smile–or by the end of the meeting, a smile had fixed a frown or a grimace, at least in most cases. Furthermore, I kept finding pennies placed throughout my experiences. I got lost, found a penny. Someone needed me to do an alternative task, I found a penny. At the train station, found a penny. In this, I don’t believe pennies are lucky. But if I find a lot of pennies, a lot of pennies add up. Or maybe god is buying me a beer, I have no way to knowing. Also, these finds act like checkpoints for my life. Look for your pennies and you will see dollars. Then retrace your steps along that path, how did you come by three cents?! WOW! 🙂

The most important part to all of this is the worry factor. I read this last night, for a moment. The last few days, I saw people worried, upset, and frustrated. I stayed calm. I have no idea how. I just stayed calm and collected. Because it is how we act during times of uncertainty that matter most. (Someone famous said that, or something similar). Beyond the stress, the unpredictability, I was learning something unique, something new. Something different. It didn’t matter what; but if you are doing something different from your regular routine, you are learning something new. Remember that in a shitty situation that you have never had to deal with before.

Some people could say their week was a wash, many others could call it a major success. And the point here is, this is every week, could be every moment. They did something. They made something happen. The reason this contrast is important is because we can see life in this way every day, or in another way. One day it is shit. One day it is good. Four letters, two different ideas completely. Why can’t they all be good? Why can’t we make it as such? And I think we can. Thought I would share.

You have made it here, right where are you are supposed to be. Now go look for your pennies.