Category Archives: Mindset and Motivation

Solving problems… NOW!!!

Life’s command to take specific pro-active steps to revolutionize your stability on this planet was understood in every era:

quote-if-you-want-to-succeed-in-the-world-you-must-make-your-own-opportunities-as-you-go-on-the-man-who-john-bartholomew-gough-343586Wow, seventh wave huh!? Powerful commentary Mr. Gough!

By personal nature alone, taking a forward lean on problem solving is not a quality everyone has.  Becoming something greater than we are, is a condition that’s created by ourselves.  Utilizing one’s assets, and pulling up our ability to create answers to problems is one of the great separations between us and our ancestors, the apes.  Many people do not breached the entry-level to solving real problems, and it’s important to look at this issue…


The purely motivational aspect of our psyche has a huge impact on taking all initiatives, which truly affects our surge for Early Retirement!!!

Being pro-active means being willing
to derail the current situation
to strive for new solutions.

the rock - Dwayne ‘The Rock” Johnson:

You’ve probably fathomed the added level of difficulty it would take to run a business, and striving for Early Retirement has a similar added level of difficulty.  Achieving income to cover several decades of life is like running a business now, to provide for yourself later.  Though, creating deep savings is more like a hobby-business, which is cool, because that means it’s easier… 


The biggest reason most people don’t save much money is because setting aside a few dollars doesn’t feel like monumental feat.

The emotional rewards from spending money, instead of saving money, appear more vivid and numerous.  Previously, we’ve talked about how $10 spent today could have become over $160 in a lifetime of savings/investments/payouts.  While that’s cool, that number can also seem just under the bar to insight explosive enthusiasm.  With large numbers involved, we begin to FEEL what saving and investing really means.

Most people think in terms of monthly bills:  we easily think of money in terms of hundreds or thousands of dollars.  We get foggier with smaller amounts of money, especially when talking about the money required to live for just one day


Many relationships include one Great Saver and one Big Spender…
This can involve some clashing mentalities.

Bride and groom picture-part from: money examiners

 Big Spenders like the feel-good nature of experiencing products, acquiring them (forgetting about them) and moving on to the next thing.  Price and purpose are momentary in thought, blind spots, easily forgettable in the slur of purchasing Nerdbucks coffees, and many unnecessary things in stores.

Most Big Spenders can be converted, but it takes a dose of the TRUTH – they have to see it, understand it, feel it, and finally they must know within their bones the reason for holding cash, instead of forking it over at impulse…

While many couples use the same bank account, the stress of different spending habits can be a real problem, especially if one person is trying to save money.  To Big Spenders, saving appears to require great discipline, though when goals align, usually two minds can start to see the same big picture…


and the Rich get richer…

We can talk about the crises in cash flow occurring in modern economics all day long — it’s a major issue and looming catastrophe in America today.  The banks own 63% of the country, and those banks have not only survived their own self-made recession, but that same recession cause a wake of corporate buyouts, and now just 5 banks own most of that 63% of all national wealth.

The entire Federal Reserve system was set up, piece by piece, over the years to give banks an insidious amount of leverageIn fact, did you know that a bank only needs to have 2% of the actual money necessary to fulfill their loans?  that means with $2 million dollars, a bank can write out $100 million dollars in loans, sit back, and collect mountains of interest payments forever.  If you can’t pay your mortgage, they seize the properties, capsizing even decades of payments, and sell those properties again.  The government actually helps banks do this, and our entire money system is based upon it.

squirrel-saga(image rights: Solent)

           Now that you are aware of that crisis (if you weren’t already), keep your eye out for monopoly-busting politicians and vote for them!  Right now Elizabeth Warren appears to have the first truly antagonist approach since Theodore Roosevelt who personally sued and broke up a dozen of the largest super-monopolies in the nation.

But let’s jump to a different track of the same topic, in regards to your own life how does the following phrase affect you?

The Rich Get Richer
And the Poor get Poorer…


Life requires solving a lot of problems, which means coming up with a lot of solutions.  Sometimes it’s easier to rely on the same methods of solving problems, while taking on new challenges involves taking on new challanges willingly, of course.

Even though big change feels more difficult, during such challenges we begin to hone a new sense of self while taking new strides towards new directions. We begin to develop a steady sense of accomplishment, find new capabilities, make discoveries, and sometimes, we find a greater sense of self.

Life gets busy, and that can mean locking up on old ideas.  People have been known to get rigid, often without being aware of it.  Have you ever heard of the hog-hair toothbrush…

!!! CRITICAL understanding of SAVINGS IMPACT !!!

Saving money is by no means about self-torture.  It’s not about crafting shoes out of squirrel hides, boiling chicken carcasses t, and it’s not about avoiding the expense of doing something interesting.

Saving money is about a person gathering themselves and pulling a heroic move for their own future.

Consider this – if you had $160 right now, would you trade it for something worth $10?  Of course not!  The truth of savings and investment makes very clear that… FOR EVERY extra $10 spent on unnecessary things, it actually costs you $160 over a lifetime…

REAL MONEY vs. INCOME – with Housing Example

Our income is not our measure of ‘Money’.

The money that remains after bills are paid, taxes are settled, and all expenses are accounted for… that’s our “money”.

This means our income tells us very little about where we are financially.

The material things around us, our living situation might reflect qualities about our income, but the proportion of our income already spoken-for by our living situation is the real determining factor in our situation of wealth.

We must ask ourselves, what happens if the income stops? The amount of money saved relative to the length of time our lifestyle can be extended without income are the only two factors we can use to assess wealth…


Where does Big Spending really come from?

For a lot of people, simply having a decent paycheck just leads to spending more money on similar items, more frequently. Cash burning, bleeding cash, and “making it rain” rate leads to many side effects like malnutrition of the savings account, severe constipation of the future, and hemorrhaging of even more cash – double and triple vision are soon to follow, and eventually a derelict cash-oozing zombie stands where, a rational human being  once stood before.

Before being entrenched in a zombie state of mind, that same person once calculated the future of money saved, usually to pay the bills. To all the businesses of the world, that cash-loose zombie looks like a medical miracle as they each run by snatching up loose dollar bills….



The fact is, rampant spending is usually a product of partially ignoring the entire concept of what money is.  Spending can feel like a payoff, a jackpot, it can feel like hammering a button that makes a person feel good. We all feel it from time to time.  We also use cash to solve problems.

Every turn of the dollar usually involves cutting the solution more tightly around expense, or just letting it go, and then we get pounded by the cost of convenience, or the splurge.

         Of course, the transition of cash to goods involves trading away a horde of cash, and all future opportunity costs tied to that cash – this translates to years of labor.  People have internal circuits of desire, and the sensation of ‘attainment’ can run in loops.  In life, much of our action does not offer very direct sensations, or direct rewards. Sometimes our quickest sensation of reward is acquiring goods or experiences quickly, by blowing cash