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Safety for planning retirement, income, jobs, education, parenting, etc. has always been the essential focus to longevity. However, I would challenge that thinking in the category of financial income and wealth generation!

Job longevity is safe. This has been the long held belief, however we are seeing this change over the past decade. We realize that companies during large layoffs are not laying off the younger, fresher hires, they are cutting out the ‘fat’. They are getting rid of those who have the highest wages to pay the fresher recruits less money to get more out of them because they are more adaptable and open to change. It comes down to an income versus expense financial business decision. Now what if you have been there and learned a few specific skills over the period of 20 years then find yourself looking for a job, it may be tough. According to the U.S. Department of Labor job longevity is 3-5 years for people aged 18-38. Job longevity is not longer safe, it is the New Risky!

Skill sets and education is safe. This also has been a long held belief for being safe. Learn as much as a can, get a degree and experiences! What we are seeing now with our economy is the job market is washed out with educated skilled labor. More and more people are finding themselves hearing the dreaded words, “Sorry, you have too many skills OR too much education!” This has been argued that you should decide if it is too much, but employers realize your burnout will come faster if you are being underutilized for your skill set/knowledge or playing unfair to climb that ladder faster. Skill set and education is not safe, it is the New Risky and a large receipt on the wall!

Plan ‘A’ is safe. The is is one of the saddest long held beliefs for being safe. I will work for the next 40 years for 40 hours per week to retire on 40% of my income to last 4 years of retirement, Seriously?!? How the %$*^ is that safe or hopeful? We are already hearing that Social Security is now paying out less then what individuals pay in. It is a failed broke system and WAS NOT created to be a long term retirement plan, it was created during war times to help out those affected during those seasons. It is time for a plan B that you can work very hard for the next 4 years to retire when you want and how you want wherever you want. It’s not possible you say? Stop thinking safe and let’s talk or play the safe card and we can talk about how different our lives are 4 years from now.  Plan ‘A’ is not safe, it is the New Risky. 

Want a plan ‘B’ that will change your life? Click HERE to contact me.


SAFE + COMFORT + NO RISK = WORKING TILL YOU ARE 75
RISK + OPPORTUNITY = SUCCESS


When has no risk EVER been worth it? Yes we should sometimes be cautious and conservative, but if that is our primary default approach we WILL miss opportunities!

There is no money in skepticism. Say yes before no THEN evaluate instead of saying no and never evaluate! Clint Eastwood’s shoot first, ask question later doesn’t apply to winning in life!
 
 
plan b culture
When purchasing an item at a local store over the Christmas season a few months ago I was asked whether or not I wanted a gift receipt with my purchase. The thought struck me that if I included a gift receipt with my gift it would be like saying to the person- “I doubt you will really like this anyway, but here, take the credit and go get something you really want.” This is a type of 'plan B' approach to gift giving that also permeates the rest of our society as well.

Take for instance the...
 
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