Category Archives: Life Education

Retirement Intelligence 101

Welcome to Retirement Intelligence 101, a series on how to retire.  We will first define what it means to be retired by listing a few details that describe the state of being retired.  Then we will define what you will need in order to be retired.  Then we will discuss what you can do to get what you need in order to be retired.  1. How to get 2. what you need 3. to be retired.

As a Legal Disclaimer: None of this is financial advice so don’t sue me.  Evaluate what you read with your own judgment. I am just sharing my thoughts and opinions.

Let’s dive into Step 1.

What it means to be retired to me is you have the following taken care of for the rest of your life:

  1. Necessities (Food and water, Shelter).  You will never have to worry about being able to afford some form of this in order to stay alive (quality of food/water/shelter is not guaranteed)
  2. Emergency Protections (Insurance premiums paid for, budget for emergency expenses). You are unlikely to have major expenses come up like going to the hospital and getting a large bill, but if they do you are prepared for the bill because insurance will pay a lot of it and your emergency savings fund will pay for the rest of it.
  3. Inflation.  You don’t have to worry about becoming poorer over time due to inflation. (Google for “Inflation” to learn more)
  4. Your life improves over time. You won’t be stuck in the same lifestyle for the rest of your life.  As you age, you get more money and you can buy more and better things.
  5. Budget for fun. You have money to do what you want, and over time you get more money to do what you want.

And the key point is all of this is possible without you doing any work as an employee. 0 work as an employee, you get this. For the rest of your life. That is retirement. It’s also financial freedom.

We can add up the budget for all 5 categories to come up with the total amount of cash you expect to be able to spend per year.  Let’s say it’s about $51,000 based on the spending of an Average American (article here) which is $64,000 per year before taxes.

To retire you will need to somehow get $64,000 per year before taxes.  Without working.  How do you get money without working?  Stay tuned for the next post where I tell you that answer!

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Help Emotionally Troubled Loved Ones by Sitting with Them in Their Emotions

If you have someone you care about who is going through a difficult time and you don’t know how to get through to them, here’s how: Be present with them and spend time with them.  Don’t spend brain power solving their issues. Don’t spend energy telling them what they should do without them asking you for that.  Don’t take the initiative, the free will, the power to control their own life away from them.
What someone needs when they’re in an emotionally charged state is for someone else to absorb that emotional energy through active listening.
A friend recently showed me a South Park Episode about suicide (Season 21 Episode 2: Put It Down) and in it, near the end of the show, there’s two scenes that are really educational on how to help a friend.
A good friend doesn’t judge, doesn’t criticize, doesn’t problem solve. A good friend just sits with the person and listens and feels the emotions that the other person is feeling so that the person doesn’t feel alone and scared anymore because there’s someone else together with that person.  Sit in the emotions with the other person, ask them “how do you feel.” “How else do you feel?” “Wow, that sounds scary, how do you cope?” “That sounds hard, I can understand why you’re feeling this way.”  Let them express to you all that they are feeling, and listen. Sit and listen. Feel bad with them.  Keep feeling bad with them until they have said all they want to say about the topic (it may take a very long time) but only after they have been allowed to discharge all of their emotions will they be able to calm down, relax, and think clearly again.
The order of health priority in all situations is:
Emotional -> Mental/Logic -> Beliefs/Spiritual/Psychological -> THEN Physical Health -> Society (Finances/Career/Relationships).
First help your loved one with their emotions.
Then you can discuss the logical solutions and actions you can take to problem solve.
Then ensure that they can accept the logic you discussed, and have alignment between their Beliefs and the Logic. If they don’t, they may revert back to an Emotional state.
Only after all 3 Healths (Emotional, Mental, Beliefs) are healed can you then focus on Physical Health or Society Health.  This is why when you say “Go get some sleep” or “Go exercise” or “Take better care of yourself” to someone who is emotionally uncomfortable, they get mad at you. It’s because those statements do not help until you have discharged them emotionally for your loved one. .
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Career Learnings

Here’s a list of things I’ve learned over the course of my career:

  • Timelines are affected by vacation and sick days. Anticipate that as well.
  • Say what you know instead of saying you know nothing. You always have some idea, communicate it so you can create a shared ground to start from together.
  • Do your own work well always.  Then involve yourself in further matters.  Otherwise if things go south you have nothing to stand on.
  • Never work for free, or in other words, always get buy in and approval before doing work. And make sure you get that buy in from the key stakeholders, not just anyone.

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