Tag Archives: Thoughts

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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If you can’t get to my Paypal page because it’s busy, keep trying.

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TS_ 

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?

Advice: Complaining

Under Control of My Ideas

Maybe my ideas suck just as bad as the next person, no matter how hard I try to make them heard or make them law.  And here, I attempt to control my life in all decisions, I wake up and wonder how in control I am about my ideas. Control over other people’s ideas.  Have I tried to control too much? Too many fingers in too many idea pies? A thought I like to reflect on, old and played-out by now: when you focus on everything you focus on nothing. By making my ideas center stage have I taken the light away from other people’s ideas? I am not sure, but I recall this idea of control: When you attempt to control others you lose control of yourself. I wake up from a dream where I am visiting a counselor, she says that same thing, like a past life, as if it’s true. I know it now.  Oddly, I concede and take it all back because I know dreams can be right.  I know because they have been. Who is in control of my ideas, what ways can they show it through listening and relating under control?

Less is More, so many generalizations

Recently, I have come under the idea that less is more. I’ve been reading Walden on Wheels. I have been seeing that what I have, too much, is very too much. I want out of it. I say now, less is more, less is more. This is so true.

This realization started after reading The Millionaire Nextdoor, a book about being frugal. A book about just living with less, not overspending, and living on the means that you have, and becoming a millionaire.

I set new goals because of it. I want nothing. I want to have nothing but liquid security in wealth. The lesson I learned is be prepared for anything and don’t live beyond your means. Keep an even keel. Sail your boat and don’t sink.

Yes, I do believe less is more… So I give you less words. But I must admit it. I am starting to like the idea of having less and feeling it more. As Dave Ramsey says (I have been listening to his podcast) “Live like no one else and you can live like no one else.”

I am ready to live like no one else. Have been for some time. I always felt like a nonconformist. Now I can prove it in actions. No more too much. No more overspending. We all owe it to ourselves to get ourselves right first. Then we can help everyone else. But only then.

New species of ancient shark discovered in Minnesota’s Driftless region of the upper Mississippi River, scientist said to have found via sonar technology imagery, possibly

megalodon-589dd3b93df78c4758898af9.jpgHouston County, Minn.–This week, in a shocking turn of events, in relation to subjective suggestive southern Minnesota marine biology, archaeologists have discovered a never-before-seen, nor described, fresh-water shark in the Driftless region of the upper Mississippi River valley call.

This so-called Mississippi Bluff Shark–cousin to the infamous megalodon super shark, is said to grow to up to 100-200 feet long, or more, and weigh an incredible 20 tons. It was found in the depths below lock and dam no. 7 near Dresbach, via sonar only, in its clandestine cavern, it’s natural habitat.000880a3-642

These elusive sharks have been thought to have lived in the area for the past 10 zillion years, undiscovered and undisturbed. They have never been discovered, disturbed, or discussed before this time, ever, until relatively recently, well… right now. Dr B. Lion explained.

Dr. B. Lion, the lead riverologist and archeologist for the Driftless Regions Upper Mississippi Environmental River Sect, or (DRUMERS), has absolutely concluded, from one single gray and black 2-D digital image, which lasted for about 3 seconds, that these sharks have existed here for long before humans, as this detailed image is proof. These sharks are probably real, and really old, perhaps!

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The DRUMERS’ latest discover rocks the Driftless region and marine biology of the upper Mississippi. The Mississippi Bluff Shark is considered prevalent and incredibly evasive and elusive, which makes them nearly impossible to see, ever, and no danger at all to river frequenters. Boaters, fisherpeoples, waterskiers and inner-tubers can rest assured they are in limited to almost zero danger, maybe.