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Are You Retiring too Soon?

Are you Retiring too Soon? How So?

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TO RETIRE MEANS TO RUST

This statement has stuck with me for over 20 years, ever since I heard it coming from a business consultant at a dental conference.  This statement alone helped me make up my mind early to realize I never wanted to retire and just sit around until I died if I could do anything about it.
“To Retire Means To Rust” not only has meaning for when we grow older but also for how we can live today!

DID YOU KNOW?

I’ve heard it said that if a plane sets for too long in storage it can fall apart and break down faster than if it were being utilized in the air. The same goes true for a ship or boat. If it sets too long in harbor or at a dock it will deteriorate faster than of it we’re uses at sea in the same time frame!
“Why is that?”, you say.
Well, Those planes were made to fly and those ships were made to be in the water!
Just like our talents our abilities and all of our crazy dreams and plans that we have in life.
Don’t you have aspirations, dreams, goals and plans? And, what of them?
What are you doing with them? Are the sitting there retired and rusting away?
How are they ever going to get off the ground or leave harbor if you leave them there rusting? Have you resolved yourself with the mindset of well Thai is how it’s going to be and I guess those dreams never did happen..

What plans are you Retiring?

My question to that would be did those plans ever have a chance?
Did you ever try hard enough to make them come to fruition or did you decide it was too hard and just let them sit there and rust?
If we want to make anything of ourselves in this world then we are going to have to do whatever we believe God has called us to do and give it our all.
We are going to have to get out of dry dock, pull the chalks, set our sails and take flight with our dreams and plans in this life.

Challenge Yourself; Don’t let your talents Rust!

I want to challenge you today to never retire those dreams of yours, don’t let your talents and abilities on the shelf and allow them to rust!
We only have so much time on this earth, so we better use it wisely.
Who knows you may surprises yourself but if your ass is just sitting on the couch, you’ll never accomplish those dreams from there!
That’s all I got for you today!  Have an awesome week and Keep Evolving!
Subscribe to my Youtube Channel here and follow me @TheGunLifeCoach on Instagram  & Facebook.
The GunLife Coach
Stephen D. Powell

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Stephen D. Powell is an Air Force veteran with more than 18 years of combined federal, military & civilian law enforcement experience. Powell has been teaching professionally for over 25+years as a firearms Instructor for numerous organizations and agencies rated with the NRA, NM & TX DPS and a Sig Sauer Academy Master Instructor. His company, Patriot Outdoors, Inc, has been operational in the defensive training industry since 2004, starting a thousand acre training facility located in Eastern New Mexico. Patriot has provided crucial and relevant firearms training to DOD and SOCOM, state and local law enforcement and armed citizen students. Over the past several years, Powell has appeared on several Fox News, Sirius XM radio, various regional newspaper, radio and tv shows, promoting military veteran entrepreneurship and patriotism as well as educating the shooting industry on range development, media relations and key second amendment issues. Patriot Outdoors is currently operating out of the Phoenix Valley, Arizona and with a new channel of The GunLife Coach to inspire and motivate other in life and on the range!



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Family

Spend Less, Owe Less, Live More

If you spend less than you take in, inexorably your debt will decrease

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Society conditions us to consume more than we need and to spend more than we make. However, this kind of lifestyle is a recipe for disaster. Taking back control of your finances can help you free up time and make you feel more in control of your life more of the time.

Think back to your high school and college history classes: can you recall a nation in the history of the earth that accumulated huge deficits over a prolonged period of time, lacked a concerted effort towards reducing these deficits, yet was able to sustain economic prosperity for its citizens?

Can a nation, in debt for trillions annually, or a person – namely you – consistently run up huge deficits and expect no consequences?  For decades, tens of millions of Americans have accumulated personal debt via credit cards, loans, and other forms of financing. It’s likely that you have some financial debts.

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Subtle Servitude

Sustained deficit spending eventually erodes your ability to prepare for the future, and worse, to capitalize on current opportunities. The more you owe, the more enslaved you are! In Consumerism, Dr. Judith Schor notes that you’ve likely been taught to consume more than you need.

Right now, how would it feel if all your credit cards were paid off? How would it feel if you paid your monthly rent or mortgage several months in advance? How would it feel if your car loan was paid off? How would it feel if you were actually able to pay some of your utility bills for months in advance? For most people it would feel great. You’d feel in control of your time.

We all know the arguments about losing the (minuscule) amount of interest you could have earned if you let your money sit in the bank instead of paying the electric bill three months in advance. Ah, but wait. A month after you’ve paid your electric bill three months in advance, you receive the next month’s bill. Guess what? It shows that you have a huge credit and that nothing is due – you’ll smile when you see these kinds of bills!

A Moratorium on Spending

To reduce your personal debts, place a moratorium on optional spending, regardless of what items entice you, until your credit cards have zero balances.

Paying for material things which you don’t need, and certainly don’t save your time, might be satisfying, but ultimately can be draining.

Here are some strategies and tactics for controlling your checkbook, and hence reclaiming your life:

1. Write out checks to pay bills in advance of their due dates. Then, keep an advance file with a folder for each day of the month. Place the check in a sealed, addressed, and stamped envelope. Then put the envelope in the folder of the day it’s to be mailed. This way the money is allocated in advance in your checkbook, and your bills are paid on time. If your checking account pays interest, you don’t lose interest.

2. Occasionally, overpay the balance on your continuing accounts, or pay early. This gives you the aforementioned psychological boost when you see a credit on your next statement, and gives you a good reputation with your creditors, which is handy!

3. Keep a stick-on note in your checkbook for an immediate reference that lists what’s coming in this month and what needs to be paid. This provides you with a running mini-cash flow list to which you can refer at will. Update it weekly, or daily, if needed.

4. Review old checkbooks and see what you paid to whom for what. Do the same thing with your monthly credit card statements. Put a red mark next to all those expenditures that you didn’t need to make, or that you could have done without after further consideration.

5. Now, considering expenditures on the horizon, which ones can you do without?

Spend Less, Save More

As author Roger Dawson says, “It doesn’t matter how much money you’re making; if you’re spending more than you take in each month, you’re headed for trouble.” If you spend less than you take in, your debt will decrease, even if only a little at a time, and one day perhaps  disappear.

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Life

Ignore Much of What Pundits Have to Say

Can we be confident in advice we receive from people who have not mastered what they teach?

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When the opportunity arose, I attended a lecture by one of the most well-known authors and speakers in America. I had previewed his CD and read two of his books prior to his lecture; in person, he lived up to my expectations. So, I was intrigued when a friend, involved with bringing this speaker to our area relayed a personal incident to me. 

Directly following the speaker’s presentation, my friend was responsible for driving him to the airport, and accompanying him until his flight departed. That summer afternoon, it was rainy and the skies were dark.

As it turned out, the author was a nervous flyer and took several drinks in the airport lounge prior to boarding the plane.  I found this incident to be amazing because I had so often heard him say things such as, “Everything in this universe is perfect.” It struck me that, in many ways, the speaker wasn’t practicing his philosophy. Nevertheless, all human beings have their faults and foibles and, as time passed, I forgot about the incident.

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High-Priced Gurus

One morning, I had the occasion to pick up USA Today. In the lifestyle section, there was a feature on a relationship guru and author of international best-sellers on relationships. She had won the “Oscar” of infomercials, earning $24 million in a single year.  

In this published interview, the reporter asked her why we should listen to a relationship guru who had been married five times. Five times? I couldn’t believe it! She had wedded her fifth husband, some 11 years her junior, only a short time before producing her award-winning infomercial on having a successful relationship. 

In the infomercial, she is featured as having a loving relationship with her husband. Okay, but in no way does the infomercial tell us that he is her fifth husband and that she had married him three weeks ago.

Not Walking their Talk

I had a flash from the past: I recalled the story about the nervous flyer author. Yet, nothing prepared me for the revelations about the relationship guru, a self-proclaimed expert, using the slickest 21st-century marketing available to sell her information and products.  

She was well-versed in her subject matter. Upon hearing her advice, I recognized that it did seem sound. However, the larger issue is, “Can we be confident in the advice we receive from those who have not mastered what they teach, or who do not even remotely walk their talk?”

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