Planning For Retirement Quotes

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Did you know that for pretty much the entire history of the human species, the average life span was less than thirty years? You could count on ten years or so of real adulthood, right? There was no planning for retirement, There was no planning for a career. There was no planning. No time for plannning. No time for a future. But then the life spans started getting longer, and people started having more and more future. And now life has become the future. Every moment of your life is lived for the future--you go to high school so you can go to college so you can get a good job so you can get a nice house so you can afford to send your kids to college so they can get a good job so they can get a nice house so they can afford to send their kids to college.
John Green (Paper Towns)
Good memories are my retirement plan.
Atticus Poetry
Abundance isn't God's provision for me to live in luxury. It's his provision for me to help others live. God entrusts me with his money not to build my kingdom on earth, but to build his kingdom in heaven.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
If you dread tomorrow it's because you don't know how to build the present, and when you don't know how to build the present, you tell yourself you can deal with it tomorrow, and it's a lost cause anyway because tomorrow always ends up being today don't you see ... We have to live with the certainty that we'll get old and that it won't look nice or be good or feel happy. And tell ourselves that it's now that matters: to build something now at any price using all our strength. Always remember that there's a retirement home waiting somewhere and so we have to surpass ourselves every day, make every day undying. Climb our own personal Everest and do it in such a way that every step is a little bit of eternity. That's what the future is for: to build the present with real plans made by living people.
Muriel Barbery (The Elegance of the Hedgehog)
Mentoring is: Sharing Life's Experiences and God's Faithfulness
Janet Thompson (Dear God, He's Home!: A Woman's Guide to Her Stay-at-Home Man)
What if you save for 40 years, putting off all kinds of opportunities, then get hit by a bus the day before retirement? Better to plan for the future while also living in the present.
Chris Guillebeau (The Art of Non-Conformity: Set Your Own Rules, Live the Life You Want, and Change the World)
Too often we assume that God has increased our income to increase our standard of living, when his stated purpose is to increase our standard of giving. (Look again at 2 Corinthians 8:14 and 9:11).
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
God comes right out and tells us why he gives us more money than we need. It's not so we can find more ways to spend it. It's not so we can indulge ourselves and spoil our children. It's not so we can insulate ourselves from needing God's provision. It's so we can give and give generously (2 Corinthians 8:14; 9:11)
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Are we truly obeying the command to love our neighbor as ourselves if we're storing up money for potential future needs when our neighbor is laboring today under actual present needs?
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Dream Bigger You think. Stop letting small minded people dictate your future when all they really want is for you to accomplish the work of two, for minimum wage. Reach higher, or else plan for retirement in a cardboard box, praying global warming is more than a catchphrase. And if that fails to be the case, hope freezing to death is really as simple as falling asleep, to the lullaby of teeth chatter. Dream bigger before you can't remember how to dream at all.
Ellen Hopkins (Triangles)
If I had my way books would not be written in English but in an exceedingly difficult secret language.... This plan would have the advantage of scaring off all amateur authors, retired politicians, country doctors...who would not have the patience to learn the secret language.
Robertson Davies
Tolstoy said, 'The antagonism between life and conscience may be removed either by a change of life or by a change of conscience.' Many of us have elected to adjust our consciences rather than our lives. Our powers of rationalization are unlimited. They allow us to live in luxury and indifference while others, whom we could help if we chose to, starve and go to hell.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
What you do with your resources in this life is your autobiography.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
When I save, I lay something aside for future need. If I sense God's leading, I will give it away to meet greater needs. When I hoard, I'm unwilling to part with what I've saved to meet others' needs, because my possible future needs outweigh their actual present needs. I fail to love my neighbor as myself.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Someday this upside-down world will be turned right side up. Nothing in all eternity will turn it back again. If we are wise, we will use our brief lives on earth positioning ourselves for the turn.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
A disciple does not ask, "How much can I keep?" but, "How much more can I give?" Whenever we start to get comfortable with our level of giving, it's time to raise it again.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
..tithing isn't something I do to clear my conscience so I can do whatever I want with the 90 percent--it also belongs to God! I must seek his direction and permission for whatever I do with the full amount. I may discover that God has different ideas than I do.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Why ask for your daily bread when you own the bakery?
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Whenever we have excess, giving should be our natural response. It should be the automatic decision, the obvious thing to do in light of Scripture and human need.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
When we retire at night, we constructively review our day. Were we resentful, selfish, dishonest or afraid? Do we owe an apology? Have we kept something to ourselves which should be discussed with another person at once? Were we kind and loving toward all? What could we have done better? Were we thinking of ourselves most of the time? Or were we thinking of what we could do for others, of what we could pack into the stream of life? But we must be careful not to drift into worry, remorse or morbid reflection, for that would diminish our usefulness to others. After making our review we ask God’s forgiveness and inquire what corrective measures should be taken. On awakening let us think about the twenty-four hours ahead. We consider our plans for the day. Before we begin, we ask God to direct our thinking, especially asking that it be divorced from self-pity, dishonest or self-seeking motives. Under these conditions we can employ our mental faculties with assurance, for after all God gave us brains to use. Our thought-life will be placed on a much higher plane when our thinking is cleared of wrong motives. In thinking about our day we may face indecision. We may not be able to determine which course to take. Here we ask God for inspiration, an intuitive thought or a decision. We relax and take it easy. We don’t struggle. We are often surprised how the right answers come after we have tried this for a while. What used to be the hunch or the occasional inspiration gradually becomes a working part of the mind. Being still inexperienced and having just made conscious contact with God, it is not probable that we are going to be inspired at all times. We might pay for this presumption in all sorts of absurd actions and ideas. Nevertheless, we find that our thinking will, as time passes, be more and more on the plane of inspiration. We come to rely upon it. We usually conclude the period of meditation with a prayer that we be shown all through the day what our next step is to be, that we be given whatever we need to take care of such problems. We ask especially for freedom from self-will, and are careful to make no request for ourselves only. We may ask for ourselves, however, if others will be helped. We are careful never to pray for our own selfish ends. Many of us have wasted a lot of time doing that and it doesn’t work. You can easily see why.
Bill Wilson
...if I try to make only enough money for my family' immediate needs, it may violate Scripture. ...Even though earning just enough to meet the needs of my family may seem nonmaterialistic, it's actually selfish when I could earn enough to care for others as well.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
If we were to gain God's perspective, even for a moment, and were to look at the way we go through life accumulating and hoarding and displaying our things, we would have the same feelings of horror and pity that any sane person has when he views people in an asylum endlessly beating their heads against the wall.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Republican or Democrat, this nation's affluent urban and suburban classes understand their bread is buttered on the corporate side. The primary difference between the two parties is that the Republicans pretty much admit that they grasp and even endorse some of the nastiest facts of life in America. Republicans honestly tell the world: "Listen in on my phone calls, piss-test me until I'm blind, kill and eat all of my neighbors right in front of my eyes, but show me the money! Let me escape with every cent I can kick out of the suckers, the taxpayers, and anybody else I can get a headlock on, legally or otherwise." Democrats, in contrast, seem content to catalog the GOP's outrages against the Republic, showing proper indignation while laughing at episodes of The Daily Show. But they stand behind the American brand: imperialism. They "support our troops," though you will be hard put to find any of them who have served alongside them or who would send one of their own kids off to lose an eye or an arm in Iraq. They play the imperial game, maintain their credit ratings, and plan to keep the beach house and the retirement investments if it means sacrificing every damned Lynndie England in West Virginia.
Joe Bageant (Deer Hunting with Jesus: Dispatches from America's Class War)
Whenever you give up an apartment in New York and move to another city, New York turns into the worst version of itself. Someone I know once wisely said that the expression "It's a nice place to visit, but I wouldn't want to live there" is completely wrong where New York is concerned; the opposite is true. New York is a very livable city. But when you move away and become a vistor, the city seems to turn against you. It's much more expensive (because you need to eat all your meals out and pay for a place to sleep) and much more unfriendly. Things change in New York; things change all the time. You don't mind this when you live here; when you live here, it's part of the caffeinated romance to this city that never sleeps. But when you move away, your experience change as a betrayal. You walk up Third Avenue planning to buy a brownie at a bakery you've always been loyal to, and the bakery's gone. Your dry cleaner move to Florida; your dentist retires; the lady who made the pies on West Fourth Street vanishes; the maitre d' at P.J. Clarke's quits, and you realize you're going to have to start from scratch tipping your way into the heart of the cold, chic young woman now at the down. You've turned your back from only a moment, and suddenly everything's different. You were an insider, a native, a subway traveler, a purveyor of inside tips into the good stuff, and now you're just another frequent flyer, stuck in a taxi on Grand Central Parkway as you wing in and out of La Guardia. Meanwhile, you rad that Manhattan rents are going up, they're climbing higher, they're reached the stratosphere. It seems that the moment you left town, they put a wall around the place, and you will never manage to vault over it and get back into the city again.
Nora Ephron (I Feel Bad About My Neck, And Other Thoughts on Being a Woman)
Parents who spoil their children out of 'love' should realize that they are performing acts of child abuse. Although there are no laws against such abuse--no man-made laws anyway--this spiritual mistreatment may result in as much long-term personal and social damage as the worst physical abuse.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Thy shalt not worship thy investment advisor, for if she were so smart she would be retired by now.
Steven J. Lee (The Money Plan: Creating Personal Wealth for a Secure Future)
Unless we learn how to humbly tell each other our giving stories, our churches will not learn to give.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
A naively formulated goal transmutes, with time, into the sinister form of the life-lie. One forty-something client told me his vision, formulated by his younger self: “I see myself retired, sitting on a tropical beach, drinking margaritas in the sunshine.” That’s not a plan. That’s a travel poster. After eight margaritas, you’re fit only to await the hangover. After three weeks of margarita-filled days, if you have any sense, you’re bored stiff and self-disgusted. In a year, or less, you’re pathetic. It’s just not a sustainable approach to later life. This kind of oversimplification and falsification is particularly typical of ideologues. They adopt a single axiom: government is bad, immigration is bad, capitalism is bad, patriarchy is bad. Then they filter and screen their experiences and insist ever more narrowly that everything can be explained by that axiom. They believe, narcissistically, underneath all that bad theory, that the world could be put right, if only they held the controls.
Jordan B. Peterson (12 Rules for Life: An Antidote to Chaos)
God doesn't make us rich so we can indulge ourselves and spoil our children, or so we can insulate ourselves form needing God's provision. God gives us abundant material blessing so that we can give it away, and give it generously.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Lukewarm people do not live by faith; their lives are structured so they never have to. They don't have to trust God if something unexpected happens- they have their savings account. They don't need God to help them- they have their retirement plan in place. They don't genuinely seek out what life God would have them live- they have life figured and mapped out. They don't depend on God on a daily basis- their refrigerators are full and, for the most part, they are in good health. The truth is, their lives wouldn't look much different if they suddenly stopped believing in God.
Francis Chan (Crazy Love: Overwhelmed by a Relentless God)
I feel that one of the most important lessons that can be learned is that what we "see" may be different than what is actually in front of us.
Mark Singer (The Changing Landscape Of Retirement - What You Don't Know Could Hurt You (Volume 1))
Your retirement plan is for shit.
James Altucher (Choose Yourself)
Christians are God's delivery people, through whom he does his giving to a needy world. We are conduits of God's grace to others. Our eternal investment portfolio should be full of the most strategic kingdom-building projects to which we can disburse God's funds.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
The Aussies have spent so much time basking in the glory of the last generation that they have forgotten to plan for this one. It's just like the West Indies again; once their great names from the 1970s and 80s retired, the whole thing fell apart. The way things are going, the next Ashes series cannot come too quickly for England. What a shame that we have to wait until 2013 to play this lot again.
Geoffrey Boycott
To turn the tide of materialism in the Christian community, we desperately need bold models of kingdom-centered living. Despite our need to do it in a way that doesn't glorify people, we must hear each other's stories about giving or else our people will not learn to give.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
It's the treasure in the empty field; it's worth selling everything to own--your entertainment, your 401(k) or your registered retirement savings plan, your home, your comfort, the sand where you stick your head, your last word, your right answers, your safe and predictable nice little life centered on avoiding heartbreak or inconvenience to your schedule.
Sarah Bessey (Jesus Feminist: An Invitation to Revisit the Bible's View of Women)
I believe that the biggest mistake that most people make when it comes to their retirement is they do not plan for it. They take the same route as Alice in the story from “Alice in Wonderland,” in which the cat tells Alice that surely she will get somewhere as long as she walks long enough. It may not be exactly where you wanted to get to, but you certainly get somewhere.
Mark Singer (The Changing Landscape Of Retirement - What You Don't Know Could Hurt You (Volume 1))
If economic catastrophe does come, will it be a time that draws Christians together to share every resource we have, or will it drive us apart to hide in our own basements or mountain retreats, guarding at gunpoint our private stores from others? If we faithfully use our assets for his kingdom now, rather than hoarding them, can't we trust our faithful God to provide for us then?
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
In the 1970s, 3 percent of retiring members became lobbyists. Thirty years later, that number has increased by an order of magnitude. Between 1998 and 2004, more than 50 percent of senators and 42 percent of House members made that career transition.
Lawrence Lessig (Republic, Lost: How Money Corrupts Congress--and a Plan to Stop It)
In the midst of prosperity, the challenge for believers is to handle wealth in such a way that it acts as a blessing, not a curse.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Sadly, retirement planning, in many circumstances, has become nothing more than planned procrastination.
Richie Norton (The Power of Starting Something Stupid: How to Crush Fear, Make Dreams Happen, and Live without Regret)
God created us to love people and use things, but materialists love things and use people.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Wealth is a relational barrier. It keeps us from having open relationships.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
If we can keep ourselves from interfering with the natural laws of life, mistakes can be our child's finest teachers.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Save for retirement. Start from your first paycheck.
Chanda Kaushik
Personally, I don't plan to retire from writing. My plan is to visit a body editor, have them slap on a hot new cover, and be re-released as a new edition.
Roxanna Rose
A well-read highwayman, who would have thought?” the dowager commented. “Oh, he absolutely adores books. He plans to retire when he has enough money and furnish his library with hundreds of books. He has already started a collection by stealing all he can find off lords and such.
Anya Wylde (Penelope (Fairweather Sisters, #1))
Don't be too enamored," Kanin warned, as if reading my thoughts. "The humans of the Inner City might be better dressed and better fed, but only because they are useful. And what do you think will happen to them, once their master grows bored or displeased?" "I'm guessing they don't have a retirement plan
Julie Kagawa
Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) 2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire. Name the time limit for its acquisition. State what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after rising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.
Napoleon Hill (Think and Grow Rich)
Again, college is important—very important—but it is not the answer to all your kids’ problems. I will be so bold as to say college isn’t even a need; it is a want. It isn’t a necessity; it is a luxury. This luxury is one of the first on my list, but not before retirement, not before an emergency fund, and certainly not as a reason to go into debt.
Dave Ramsey (The Total Money Makeover: A Proven Plan for Financial Fitness)
Top Five Chinese Rules 1. Respect your parents, your elders and your teachers. Never talk back or challenge them under any circumstance. 2. Education is the most important thing. It's more important than independence, the pursuit of happiness and sex. 3. Pay back your parents when you are working. We were all born with a student loan debt to our Asian parents. Asian parents' retirement plans are their kids. 4. Always call your elders "Uncle" or "Auntie," even if they are not related to you. Never call them by their first names. 5. Family first, money second, pursue your dreams never.
Jimmy O. Yang (How to American: An Immigrant's Guide to Disappointing Your Parents)
McConnell made a decision to make the economy worse to improve his political prospects. People lost their jobs, their homes, and their retirement savings because McConnell opposed any action that would help the economy if he thought it would also help Obama.
Dan Pfeiffer (Un-Trumping America: A Plan to Make America a Democracy Again)
Baby Steps: Step 1: $1,000 in an emergency fund. Step 2: Pay off all debt except the house utilizing the debt snowball. Step 3: Three to six months of savings in a fully-funded emergency fund. Step 4: Invest 15% of your household income into Roth IRAs and pre-tax retirement plans. Step 5: College Funding (i.e. 529 plan). Step 6: Pay off your home early. Step 7: Build wealth and give.
Dave Ramsey
For one thing, most available jobs for undocumented immigrants are jobs Americans will not do, which takes healthy young migrants and makes them age terribly. At a certain point, manual labor is no longer possible. Aging undocumented people have no safety net. Even though half of undocumented people pay into Social Security, none are eligible for the benefits. They are unable to purchase health insurance. They probably don’t own their own homes. They don’t have 401(k)s or retirement plans of any kind. Meager savings, if any. Elderly people in general are susceptible to unscrupulous individuals taking advantage of them, and the undocumented community draws even more vultures. According to the Migration Policy Institute, around 10 percent of undocumented people are over fifty-five years old. This country takes their youth, their dreams, their labor, and spits them out with nothing to show for it.
Karla Cornejo Villavicencio (The Undocumented Americans (One World Essentials))
I feel like a child who has found a wonderful trail in the woods. Countless others have gone before and blazed the trail, but to the child it's as new and fresh as if it had never been walked before. The child is invariably anxious for others to join in the great adventure. It's something that can only be understood by actual experience. Those who've begun the journey, and certainly those who've gone further than I, will readily understand what I am saying.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
sent him to the Harvard Business School to study the minds of the movers and shakers who were screwing up our economy for their own immediate benefit, taking money earmarked for research and development and new machinery and so on, and putting it into monumental retirement plans and year-end bonuses for themselves.
Kurt Vonnegut Jr. (Hocus Pocus)
Given our abundance, the burden of proof should always be on keeping, not giving. Why would you not give? We err by beginning with the assumption that we should keep or spend the money God entrusts to us. Giving should be the default choice. Unless there is a compelling reason to spend it or keep it, we should give it.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Headlining also meant a higher caliber of groupie—as in, they had enough self-respect to hide their track marks and cutting scars on the insides of their thighs, like ladies. These bitches were bold, too. Entitled even. Opening act groupies were bottom-feeders. Skittish. Easily scared off by a ninety-five-pound nineteen-year-old with a platinum-blonde pixie haircut and one hell of a stink eye. Headliner groupies, on the other hand, were scrappers. They were working on their retirement plans, goddamn it, and they weren’t going to let a little thing like me (or a condom) get between them and eighteen years of rock star–sized child-support checks.
B.B. Easton (44 Chapters About 4 Men)
Shouldn't we just admit the obvious--that the New Testament call to discipleship, compassion, and giving leaves no room for the way many of us are thinking and living? Is it time to get beyond the theoretical stance of 'I'd be willing to give up anything if God asked me to,' and start actually giving up things in order to do what He's commanded us?
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
A Greek philosopher said, 'All men think it is only the other man who is mortal'. The way we scurry about accumulating things is testimony to our unspoken doctrine that we are exceptions to the law of death. The events of September 11, 2001, were a shocking reminder to millions of Americans of something we should have already understood - our mortality.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Would you believe me if I told you that there’s an investment strategy that a seven-year-old could understand, will take you fifteen minutes of work per year, outperform 90 percent of finance professionals in the long run, and make you a millionaire over time?   Well, it is true, and here it is: Start by saving 15 percent of your salary at age 25 into a 401(k) plan, an IRA, or a taxable account (or all three). Put equal amounts of that 15 percent into just three different mutual funds:   A U.S. total stock market index fund An international total stock market index fund A U.S. total bond market index fund.   Over time, the three funds will grow at different rates, so once per year you’ll adjust their amounts so that they’re again equal. (That’s the fifteen minutes per year, assuming you’ve enrolled in an automatic savings plan.)   That’s it; if you can follow this simple recipe throughout your working career, you will almost certainly beat out most professional investors. More importantly, you’ll likely accumulate enough savings to retire comfortably.
William J. Bernstein (If You Can: How Millennials Can Get Rich Slowly)
If your retirement plan is to win the lottery, you will have to work forever as a greeter at the local shopping center and eat cat food for supper.
Steve Repak (Dollars & Uncommon Sense: Basic Training for Your Money)
Learn the lessons of history. Don't let how you feel about your tenure at your organization drive you to make poor investment decisions that could potentially derail a successful retirement.
Mark Singer (The Changing Landscape Of Retirement - What You Don't Know Could Hurt You (Volume 1))
Those who seek to undermine the existing structure,” he advised, must do two things. First, they must alter beneficiaries’ view of Social Security’s viability, because that would “make abandonment of the system look more attractive.”35 If you have ever seen a television ad showing older people with worried faces wondering if Social Security will be around when they need it, or heard a politician you think is opposed to the retirement program suddenly fretting about whether it will be there for you and others, listen more carefully the next time for a possible subliminal message.
Nancy MacLean (Democracy in Chains: The Deep History of the Radical Right's Stealth Plan for America)
Some take pains to be biblical, but many [Christian financial teachers, writers, investment counselors, and seminar leaders] simply parrot their secular colleagues. Other than beginning and ending with prayer, mentioning Christ, and sprinkling in some Bible verses, there's no fundamental difference. They reinforce people's materialist attitudes and lifestyles. They suggest a variety of profitable plans in which people can spend or stockpile the bulk of their resources. In short, to borrow a term from Jesus, some Christian financial experts are helping people to be the most successful 'rich fools' they can be.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Giving up everything must mean giving over everything to kingdom purposes, surrendering everything to further the one central cause, loosening our grip on everything. For some of us, this may mean ridding ourselves of most of our possessions. But for all of us it should mean dedicating everything we retain to further the kingdom. (For true disciples, however, it cannot mean hoarding or using kingdom assets self-indulgently.)
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
Let’s take a little quiz. 1. Do you define your self-worth in terms of your job title or professional position? 2. Do you quantify your own success in terms of money, power, or prestige? 3. Do you fail to see clearly—or are you uncomfortable with—what comes after your last professional successes? 4. Is your “retirement plan” to go on and on without stopping? 5. Do you dream about being remembered for your professional successes?
Arthur C. Brooks (From Strength to Strength: Finding Success, Happiness, and Deep Purpose in the Second Half of Life)
Passengers drank and smoked. Both; a lot. This was a significant source of profit for Cunard. The company laid in a supply of 150 cases of Black & White Whiskey, 50 cases of Canadian Club Whiskey, and 50 of Plymouth Gin; also, 15 cases each of an eleven-year-old French red wine, a Chambertin, and an eleven-year-old French white, a Chablis, and twelve barrels of stout and ten of ale. Cunard stockpiled thirty thousand “Three Castles” cigarettes and ten thousand Manila cigars. The ship also sold cigars from Havana and American cigarettes made by Phillip Morris. For the many passengers who brought pipes, Cunard acquired 560 pounds of loose Capstan tobacco—“navy cut”—and 200 pounds of Lord Nelson Flake, both in 4-ounce tins. Passengers also brought their own. Michael Byrne, a retired New York merchant and former deputy sheriff traveling in first class, apparently planned to spend a good deal of the voyage smoking. He packed 11 pounds of Old Rover Tobacco and three hundred cigars. During the voyage, the scent of combusted tobacco was ever present, especially after dinner.
Erik Larson (Dead Wake: The Last Crossing of the Lusitania)
I have my retirement all planned out. I can't wait to sit on my lanai in a wicker chair (by the way, I always picture my retirement fantasies in the house from The Golden Girls) and reflect on my life. I'll have a wonderful, leathery tan and a long, silver ponytail even if I'm balding on top. Yes, I'll be THAT guy. I'll also, for the record, insist on wearing only kimonos, turquoise jewelry, and slip-on orthopedic shoes at all times.
Ross Mathews (Man Up!)
Delaying giving as a strategy for future kingdom building is risky. We could hold on to assets out of fear of letting go or unwillingness to surrender control to the Lord. As long as money lies within our grasp, there's not only the danger that we'll lose the assets, but also that we'll change our minds or be seduced by the status, prestige, and recognition of controlling (or having our name attached to the distribution of) what belongs to God.
Randy Alcorn (Money, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More)
The rest of us, on the ·other hand-we members of the protected classes-have grown increasingly· dependent on our welfare programs. In 2020 the federal government spent more than $193 billion on homeowner subsidies, a figure that far exceeded the amount spent on direct housing assistance for low income families ($53 billion). Most families who enjoy those subsidies have six-figure incomes and are white. Poor families lucky enough to live in government-owned apartments of often have to deal with mold and even lead paint, while rich families are claiming the mortgage interest deduction on first and second homes. The lifetime limit for cash welfare to poor parents is five years, but families claiming the mortgage interest deduction may do so for the length of the mortgage, typically thirty years. A fifteen-story public housing tower and a mortgaged suburban home are both government subsidized, but only one looks (and feels) that way. If you count all public benefits offered by the federal government, America's welfare state (as a share of its gross domestic product) is the second biggest in the world, after France's. But that's true only if you include things like government-subsidized retirement benefits provided by employers, student loans and 529 college savings plans, child tax credits, and homeowner subsidies: benefits disproportionately flowing to Americans well above the poverty line. If you put aside these tax breaks and judge the United States solely by the share of its GDP allocated to programs directed at low-income citizens, then our investment in poverty reduction is much smaller than that of other rich nations. The American welfare state is lopsided.
Matthew Desmond (Poverty, by America)
Too often critics have taken as the sole and crucial matter of fantasy the preoccupation of Tolkien, the quest for a remedy to the world's pain that will not destroy innocence with the temptations of power. Impressive and popular as The Lord of the Rings is, it manages its landscapes, vast green-leaved or slag-heaped vistas of pathetic fallacy and implied morality, far better than its people; it leaves the impression that important issues have been turned by sleight of hand and Georgian prettiness into questions of good and bad practice in urban planning and rural conservation. After all, the Grail is only worth seeking if you can believe in a god who put it there to help those who help themselves, in an Avalon to which burned-out heroes can retire with dignity. There is another great Matter for fantasy, one of more obvious resonance for the creative artist - the reconciliation of faerie and humanity; of the passion, power and wit of a world of sensuality, magic, and danger with the requirements of kind and ordinary life.
Roz Kaveney
After the New Deal, economists began referring to America’s retirement-finance model as a “three-legged stool.” This sturdy tripod was composed of Social Security, private pensions, and combined investments and savings. In recent years, of course, two of those legs have been kicked out. Many Americans saw their assets destroyed by the Great Recession; even before the economic collapse, many had been saving less and less. And since the 1980s, employers have been replacing defined-benefit pensions that are funded by employers and guarantee a monthly sum in perpetuity with 401(k) plans, which often rely on employee contributions and can run dry before death. Marketed as instruments of financial liberation that would allow workers to make their own investment choices, 401(k)s were part of a larger cultural drift in America away from shared responsibilities toward a more precarious individualism. Translation: 401(k)s are vastly cheaper for companies than pension plans. “Over the last generation, we have witnessed a massive transfer of economic risk from broad structures of insurance, including those sponsored by the corporate sector as well as by government, onto the fragile balance sheets of American families,” Yale political scientist Jacob S. Hacker writes in his book The Great Risk Shift. The overarching message: “You are on your own.
Jessica Bruder (Nomadland: Surviving America in the Twenty-First Century)
My recommendation is to keep up the good work. I’m changing your title to senior executive assistant, and giving you a three percent raise effective next payday. Congratulations.” Wow, three percent. I could move up that early retirement plan to age seventy-five now, instead of eighty. Lucky me. Thank you,” I said. “That’s very generous.” You’re quite welcome.” Ms. Saunders nodded and grabbed a gold-plated letter opener to begin attacking her stack of mail. I turned to leave. Didn’t want to outstay my welcome. Damn it!” she exclaimed, and I turned back around. She winced and nodded at the letter opener that she’d dropped to her desktop. “Damn thing slipped. I’m probably going to need stitches now. Can you be a dear and fetch the first-aid kit for me?” She held her left index finger and frowned at the steady flow of blood oozing out. A few small drops of red splashed onto the other letters spread out on the desk. I felt woozy. And suddenly dizzy. I blinked. When I opened my eyes, I was no longer standing by the door about to leave. I was crouched down next to Ms. Saunders’s imported black leather chair, grasping her wrist tightly…… and sucking noisily on her fingertip. I shrieked and let go of her, staggering backward. I grabbed at her desk to keep from falling, but I dropped on my butt, anyhow, taking most of the contents of the top of her desk with me. She held her injured finger far away from her and stared at me, wide-eyed, with a mixture of shock and disgust. I scrambled to my feet and wiped my mouth with the back of my hand. What in the holy hell just happened? I… I… uh… I’m so sorry,” I managed. “I don’t know what… I wouldn’t normally do something… I just…” Ms. Saunders pulled her hand close to her chest, perhaps to protect it from further abuse. Get out,” she said quietly. Yeah, I’ll get back to work. Again, I’m so, so sorry. Would you like me to bring you a cup of coffee?” No, not to your desk,” she said evenly, but her volume increased with every word. “Get out of here, you freak. I don’t care what you’ve heard, I’m not into women. You’re fired. Now get out of here before I call security.” But… my job review—” Get out!” she yelled.
Michelle Rowen (Bitten & Smitten (Immortality Bites, #1))
This self-destructive behavior is becoming more and more mainstream in our society today, because we like to keep up with the Joneses. We don’t consider the fact that the Joneses’ kids are not going to the university, and they will not be able to retire in comfort. Life should be better than that.
Celso Cukierkorn (Secrets of Jewish Wealth Revealed!)
A mood of constructive criticism being upon me, I propose forthwith that the method of choosing legislators now prevailing in the United States be abandoned and that the method used in choosing juries be substituted. That is to say, I propose that the men who make our laws be chosen by chance and against their will, instead of by fraud and against the will of all the rest of us, as now... ...that the names of all the men eligible in each assembly district be put into a hat (or, if no hat can be found that is large enough, into a bathtub), and that a blind moron, preferably of tender years, be delegated to draw out one... The advantages that this system would offer are so vast and obvious that I hesitate to venture into the banality of rehearsing them. It would in the first place, save the commonwealth the present excessive cost of elections, and make political campaigns unnecessary. It would in the second place, get rid of all the heart-burnings that now flow out of every contest at the polls, and block the reprisals and charges of fraud that now issue from the heart-burnings. It would, in the third place, fill all the State Legislatures with men of a peculiar and unprecedented cast of mind – men actually convinced that public service is a public burden, and not merely a private snap. And it would, in the fourth and most important place, completely dispose of the present degrading knee-bending and trading in votes, for nine-tenths of the legislators, having got into office unwillingly, would be eager only to finish their duties and go home, and even those who acquired a taste for the life would be unable to increase the probability, even by one chance in a million, of their reelection. The disadvantages of the plan are very few, and most of them, I believe, yield readily to analysis. Do I hear argument that a miscellaneous gang of tin-roofers, delicatessen dealers and retired bookkeepers, chosen by hazard, would lack the vast knowledge of public affairs needed by makers of laws? Then I can only answer (a) that no such knowledge is actually necessary, and (b) that few, if any, of the existing legislators possess it... Would that be a disservice to the state? Certainly not. On the contrary, it would be a service of the first magnitude, for the worst curse of democracy, as we suffer under it today, is that it makes public office a monopoly of a palpably inferior and ignoble group of men. They have to abase themselves to get it, and they have to keep on abasing themselves in order to hold it. The fact reflects in their general character, which is obviously low. They are men congenitally capable of cringing and dishonorable acts, else they would not have got into public life at all. There are, of course, exceptions to that rule among them, but how many? What I contend is simply that the number of such exceptions is bound to be smaller in the class of professional job-seekers than it is in any other class, or in the population in general. What I contend, second, is that choosing legislators from that populations, by chance, would reduce immensely the proportion of such slimy men in the halls of legislation, and that the effects would be instantly visible in a great improvement in the justice and reasonableness of the laws.
H.L. Mencken (A Mencken Chrestomathy)
I did hundreds of interviews with people in retirement or approaching retirement. Here was their theme: 'I was waiting for a time when I’d have more time, education, experience or money to do what I wanted to do…only to find out when I got there that I still needed more time, more education, more experience and more money.
Richie Norton
The Unknown Citizen by W. H. Auden (To JS/07 M 378 This Marble Monument Is Erected by the State) He was found by the Bureau of Statistics to be One against whom there was no official complaint, And all the reports on his conduct agree That, in the modern sense of an old-fashioned word, he was a saint, For in everything he did he served the Greater Community. Except for the War till the day he retired He worked in a factory and never got fired, But satisfied his employers, Fudge Motors Inc. Yet he wasn't a scab or odd in his views, For his Union reports that he paid his dues, (Our report on his Union shows it was sound) And our Social Psychology workers found That he was popular with his mates and liked a drink. The Press are convinced that he bought a paper every day And that his reactions to advertisements were normal in every way. Policies taken out in his name prove that he was fully insured, And his Health-card shows he was once in hospital but left it cured. Both Producers Research and High-Grade Living declare He was fully sensible to the advantages of the Instalment Plan And had everything necessary to the Modern Man, A phonograph, a radio, a car and a frigidaire. Our researchers into Public Opinion are content That he held the proper opinions for the time of year; When there was peace, he was for peace: when there was war, he went. He was married and added five children to the population, Which our Eugenist says was the right number for a parent of his generation. And our teachers report that he never interfered with their education. Was he free? Was he happy? The question is absurd: Had anything been wrong, we should certainly have heard.
W.H. Auden
If you count all benefits, America’s welfare state (as a share of its gross domestic product) is the second biggest in the world, after France’s. But that’s true only if you include things like government-subsidized retirement benefits provided by employers, student loans and 529 college savings plans, child tax credits, and homeowner subsidies: benefits disproportionately flowing to Americans well above the poverty line. If you put aside these tax breaks and judge the United States solely by the share of its GDP allocated to programs directed at low-income citizens, then our investment in poverty reduction is much smaller than that of other rich nations. The American welfare state is lopsided.[22]
Matthew Desmond (Poverty, by America)
AT THE SAME TIME Empire was dying, a new and very different kind of company town was thriving seventy miles to the south. In many ways, it felt like the opposite of Empire. Rather than offering middle-class stability, this village was populated by members of the “precariat”: temporary laborers doing short-term jobs in exchange for low wages. More specifically, its citizens were hundreds of itinerant workers living in RVs, trailers, vans, and even a few tents. Early each fall, they began filling the mobile home parks surrounding Fernley. Linda didn’t know it yet, but she would soon be joining them. Many were in their sixties and seventies, approaching or well into traditional retirement age. Most had traveled hundreds of miles—and undergone the routine indignities of criminal background checks and pee-in-a-cup drug tests—for the chance to earn $11.50 per hour plus overtime at temporary warehouse jobs. They planned to stay through early winter, despite the fact that most of their homes on wheels weren’t designed to support life in subzero temperatures. Their employer was Amazon.com.
Jessica Bruder (Nomadland: Surviving America in the Twenty-First Century)
But so little has changed. This is practically the same country I left thirty-five years ago. Maybe worse. The government doesn’t even care enough to help you.’ This was too broad a subject. She said with what seemed like hesitation but something that was actually a statement of fortitude, ‘It’s – just - light a little candle.’ We passed grass huts, smallholdings of tobacco, some of them being harvested, soggy fields. Not much traffic, though many ragged people marching down the road. ‘My husband is sixty-four. He’s going to retire sometime soon. The government has no plan to replace him. They probably won’t send anyone.’ She looked grim, saying this. ‘If we’re not here, there’ll be no one ‘What’ll happen then?’ ‘They’ll die,’ she said softly. ‘They’ll just die.
Paul Theroux (Dark Star Safari: Overland from Cairo to Cape Town)
From Desire to Reality in Six Easy Steps Six definite practical steps to transform a burning desire into reality. Fix in your mind an exact picture of what you desire. It's not sufficient merely to say, for example, "I want plenty of money." Be definite as to the amount. Determine exactly what you intend to give in return for the thing you desire. There's no such reality as something for nothing. Establish a definite date by which you intend to possess the desired thing. Create a definite plan for carrying out your desire and begin at once, whether you feel entirely ready or not to put this plan into action. Write out a clear, concise statement of your responses to the preceding four steps. Read your written statement aloud twice daily. Once after arising in the morning and once just before retiring at night. As you read, see and feel and believe yourself already in possession of whatever your goal happens to be. "Through some strange and powerful principle of mental chemistry, nature wraps up in the impulse [of a] strong desire that something which recognizes no such word as impossible and accepts no such reality as failure." - Napoleon Hill
Earl Nightingale (How to Completely Change Your Life in 30 Seconds)
I planned a mystical order that should buy or hire the castle, and keep it as a place where its members could retire for a while for contemplation, and where we might establish mysteries like those of Eleusis or Samothrace. ... I had an unshakeable conviction that invisible gates would open, as they opened for Blake, as they opened for Swedenborg, as they opened for Boehme, and that this philosophy would find its manuals of devotion in all imaginative literature.. This idea of Yeats’s is persistently an Outsider-ideal, persistent even in unromantic Outsiders: solitude, retreat, the attempt to order a small corner of the ‘devil-ridden chaos’ to one’s own satisfaction. A Marxist critic would snap: Escapism; and no doubt he would not be entirely wrong, but let us look closer.
Colin Wilson (The Outsider)
Now, the supreme requirements of generalship are a clear perception, the harmony of his host, a profound strategy coupled with far-reaching plans, an understanding of the seasons and an ability to examine the human factors. For a general unable to estimate his capabilities or comprehend the arts of expediency and flexibility when faced with the opportunity to engage the enemy will advance in a stumbling and hesitant manner, looking anxiously first to his right and then to his left, and be unable to produce a plan. Credulous, he will place confidence in unreliable reports, believing at one moment this and at another that. As timorous as a fox in advancing or retiring, his groups will be scattered about. What is the difference between this and driving innocent people into boiling water or fire?
Sun Tzu (The Art of War)
DYNAMITE (13 Sticks for Immediate Use—Handle with Care) PLAN tomorrow’s work today. Review the events of the day, very briefly before retiring. Keep your voice down. No screamers wanted. Train yourself to write very legibly. Keep your good humor even if you lose your shirt. Defend those who are absent. Hear the other side before you judge. Don’t cry over spilt milk. Learn to do one thing as well as anyone on earth can do it. Use your company manners on the family. If you must be rude, let strangers have it. Keep all your goods and possessions neat and orderly. Get rid of things that you do not use. Every day do something to help someone else. Read the Bible every day. These points may seem to be trite and obvious, but each one has hidden behind it, an invincible law of psychology and metaphysics. Try them.
Emmet Fox (Make Your Life Worthwhile)
It's not you it's me' she couldn't use that line. Even though it really was her and not him, everyone thought that line really meant, 'it's not me. It's definitely you.'  There was still a part of her that thought perhaps she shouldn't do it at all. In Andrew she had all the raw ingredients for a perfect life. Here was a grown-up, good-looking, solvent, generous, warm-hearted man who adored her. A man who adored her even when she looked like the loch ness monsters little sister and had a terrible temper to match. It didn't take a huge leap of imagination to see Andrew standing at the top of the aisle, looking back at lou walking towards him with a grin as wide as the English channel. She could see him painting the nursery yellow; pushing a pram that contained two lovely brown haired twins (one boy, one girl); presenting her woth an eternity ring on their tenth anniversary, taking the twins to school, teaching them how to play football on long, summer holidays in Tuscany, giving the daughter away at her own wedding, cosying up to Lou on the veranda of their perfect house as their retirement stretched ahead of them- a long straight road of well-planned for, financially comfortable and perpetually sunny days.  'oh god' Lou poured herself a vodka.
Chris Manby (Getting Personal (Red Dress Ink))
That’s because both the job title and the job itself have never existed before. We used the term ‘ground-breaking’ to describe this position because that is exactly what it is.” Leonard Scott leaned forward. “The current Administration is committed to solving the greatest problems of our time—climate change, sustainability, the deficit, the impending crisis stemming from shortfalls in Social Security and Medicare, healthcare, and the problems that our nation faces as a result of an aging population. We are implementing a plan that will address all of these issues and will revolutionize the way that this country looks at retirement. Rather than continuing on in a bankrupt, broken system that meets the needs of no one, we are going to introduce American seniors to a new way of life—a holistic community that will engage them like nothing ever has before.
Alexandra Swann (The Planner)
1. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say, ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter.) 2. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.) 3. Establish a definite date when you intend to possess the money you desire. 4. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. 5. Write out a clear, concise statement of the amount of money you intend to acquire. Name the time limit for its acquisition. State what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. 6. Read your written statement aloud, twice daily, once just before retiring at night, and once after rising in the morning. AS YOU READ, SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.
Napoleon Hill (Think and Grow Rich)
The average household income in America is right around $50,000 per year, according to the Census Bureau. Joe and Suzy Average would invest $7,500 (15 percent) per year or $625 per month. If you make $50,000 per year and have no payments except the house mortgage and live on a budget, can you invest $625 per month? Follow me here. If Joe and Suzy invest $625 per month with no match into Roth IRAs from age thirty to age seventy, they will have $7,588,545 tax-FREE! That is almost $8 million. What if I’m half-wrong? What if you end up with only $4 million? What if I’m six times wrong? Sure beats the 97 out of 100 sixty-five-year-olds who can’t write a check for $600! I would submit to you that Joe and Suzy are well below average. Why? In our example they started at the average household income in America, and in forty years of work never got a raise. They saved 15 percent of income and never increased it by one dollar. There is no excuse to retire without financial dignity in the United States today. Most of you will have well over $2 million pass through your hands in your working lifetime, so do something about catching some of that money. Gayle asked me one day if it was too late for her to start saving. Gayle wasn’t twenty-seven like Joe and Suzy. She was fifty-seven years old, but with her attitude you would have thought this lady was 107. Harold Fisher had a much better outlook at age one hundred than Gayle did at age fifty-seven. Life had dealt her some blows and had knocked most of the hope out of her. A Total Money Makeover is not a magic show. You start where you are, and you do the steps. These steps work if you are twenty-seven or fifty-seven, and they don’t change. Gayle might be starting the retirement investing step at sixty that Joe and Suzy start at thirty years old. Gayle was unwise to enter her sixties without an emergency fund and with credit-card debt and a car payment. She, like all of us, couldn’t save when she has debt and no umbrella for when it rains. Would it have been better for Gayle to start when she was twenty-seven or even forty-seven? Obviously. But once she was done with the pity party, she still needed to start with Baby Step One and follow The Total Money Makeover step-by-step to put herself in the best position possible.
Dave Ramsey (The Total Money Makeover: A Proven Plan for Financial Fitness)
Here’s a Reader’s Digest version of my approach. I select mutual funds that have had a good track record of winning for more than five years, preferably for more than ten years. I don’t look at their one-year or three-year track records because I think long term. I spread my retirement, investing evenly across four types of funds. Growth and Income funds get 25 percent of my investment. (They are sometimes called Large Cap or Blue Chip funds.) Growth funds get 25 percent of my investment. (They are sometimes called Mid Cap or Equity funds; an S&P Index fund would also qualify.) International funds get 25 percent of my investment. (They are sometimes called Foreign or Overseas funds.) Aggressive Growth funds get the last 25 percent of my investment. (They are sometimes called Small Cap or Emerging Market funds.) For a full discussion of what mutual funds are and why I use this mix, go to daveramsey.com and visit MyTotalMoneyMakeover.com. The invested 15 percent of your income should take advantage of all the matching and tax advantages available to you. Again, our purpose here is not to teach the detailed differences in every retirement plan out there (see my other materials for that), but let me give you some guidelines on where to invest first. Always start where you have a match. When your company will give you free money, take it. If your 401(k) matches the first 3 percent, the 3 percent you put in will be the first 3 percent of your 15 percent invested. If you don’t have a match, or after you have invested through the match, you should next fund Roth IRAs. The Roth IRA will allow you to invest up to $5,000 per year, per person. There are some limitations as to income and situation, but most people can invest in a Roth IRA. The Roth grows tax-FREE. If you invest $3,000 per year from age thirty-five to age sixty-five, and your mutual funds average 12 percent, you will have $873,000 tax-FREE at age sixty-five. You have invested only $90,000 (30 years x 3,000); the rest is growth, and you pay no taxes. The Roth IRA is a very important tool in virtually anyone’s Total Money Makeover. Start with any match you can get, and then fully fund Roth IRAs. Be sure the total you are putting in is 15 percent of your total household gross income. If not, go back to 401(k)s, 403(b)s, 457s, or SEPPs (for the self-employed), and invest enough so that the total invested is 15 percent of your gross annual pay. Example: Household Income $81,000 Husband $45,000 Wife $36,000 Husband’s 401(k) matches first 3%. 3% of 45,000 ($1,350) goes into the 401(k). Two Roth IRAs are next, totaling $10,000. The goal is 15% of 81,000, which is $12,150. You have $11,350 going in. So you bump the husband’s 401(k) to 5%, making the total invested $12,250.
Dave Ramsey (The Total Money Makeover: A Proven Plan for Financial Fitness)
Though all the brilliant intellects of the ages were to concentrate upon this one theme, never could they adequately express their wonder at this dense darkness of the human mind. Men do not suffer anyone to seize their estates, and they rush to stones and arms if there is even the slightest dispute about the limit of their lands, yet they allow others to trespass upon their life—nay, they themselves even lead in those who will eventually possess it. No one is to be found who is willing to distribute his money, yet among how many does each one of us distribute his life! In guarding their fortune men are often closefisted, yet, when it comes to the matter of wasting time, in the case of the one thing in which it is right to be miserly, they show themselves most prodigal. And so I should like to lay hold upon someone from the company of older men and say: "I see that you have reached the farthest limit of human life, you are pressing hard upon your hundredth year, or are even beyond it; come now, recall your life and make a reckoning. Consider how much of your time was taken up with a moneylender, how much with a mistress, how much with a patron, how much with a client, how much in wrangling with your wife, how much in punishing your slaves, how much in rushing about the city on social duties. Add the diseases which we have caused by our own acts, add, too, the time that has lain idle and unused; you will see that you have fewer years to your credit than you count. Look back in memory and consider when you ever had a fixed plan, how few days have passed as you had intended, when you were ever at your own disposal, when your face ever wore its natural expression, when your mind was ever unperturbed, what work you have achieved in so long a life, how many have robbed you of life when you were not aware of what you were losing, how much was taken up in useless sorrow, in foolish joy, in greedy desire, in the allurements of society, how little of yourself was left to you; you will perceive that you are dying before your season!"7 What, then, is the reason of this? You live as if you were destined to live forever, no thought of your frailty ever enters your head, of how much time has already gone by you take no heed. You squander time as if you drew from a full and abundant supply, though all the while that day which you bestow on some person or thing is perhaps your last. You have all the fears of mortals and all the desires of immortals. You will hear many men saying: "After my fiftieth year I shall retire into leisure, my sixtieth year shall release me from public duties." And what guarantee, pray, have you that your life will last longer? Who will suffer your course to be just as you plan it? Are you not ashamed to reserve for yourself only the remnant of life, and to set apart for wisdom only that time which cannot be devoted to any business? How late it is to begin to live just when we must cease to live! What foolish forgetfulness of mortality to postpone wholesome plans to the fiftieth and sixtieth year, and to intend to begin life at a point to which few have attained!
Seneca (On the Shortness of Life: Life Is Long if You Know How to Use It (Penguin Great Ideas))
The same thing, notes Brynjolfsson, happened 120 years ago, in the Second Industrial Revolution, when electrification—the supernova of its day—was introduced. Old factories did not just have to be electrified to achieve the productivity boosts; they had to be redesigned, along with all business processes. It took thirty years for one generation of managers and workers to retire and for a new generation to emerge to get the full productivity benefits of that new power source. A December 2015 study by the McKinsey Global Institute on American industry found a “considerable gap between the most digitized sectors and the rest of the economy over time and [found] that despite a massive rush of adoption, most sectors have barely closed that gap over the past decade … Because the less digitized sectors are some of the largest in terms of GDP contribution and employment, we [found] that the US economy as a whole is only reaching 18 percent of its digital potential … The United States will need to adapt its institutions and training pathways to help workers acquire relevant skills and navigate this period of transition and churn.” The supernova is a new power source, and it will take some time for society to reconfigure itself to absorb its full potential. As that happens, I believe that Brynjolfsson will be proved right and we will start to see the benefits—a broad range of new discoveries around health, learning, urban planning, transportation, innovation, and commerce—that will drive growth. That debate is for economists, though, and beyond the scope of this book, but I will be eager to see how it plays out. What is absolutely clear right now is that while the supernova may not have made our economies measurably more productive yet, it is clearly making all forms of technology, and therefore individuals, companies, ideas, machines, and groups, more powerful—more able to shape the world around them in unprecedented ways with less effort than ever before. If you want to be a maker, a starter-upper, an inventor, or an innovator, this is your time. By leveraging the supernova you can do so much more now with so little. As Tom Goodwin, senior vice president of strategy and innovation at Havas Media, observed in a March 3, 2015, essay on TechCrunch.com: “Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. And Airbnb, the world’s largest accommodation provider, owns no real estate. Something interesting is happening.
Thomas L. Friedman (Thank You for Being Late: An Optimist's Guide to Thriving in the Age of Accelerations)
In her book The Government-Citizen Disconnect, the political scientist Suzanne Mettler reports that 96 percent of American adults have relied on a major government program at some point in their lives. Rich, middle-class, and poor families depend on different kinds of programs, but the average rich and middle-class family draws on the same number of government benefits as the average poor family. Student loans look like they were issued from a bank, but the only reason banks hand out money to eighteen-year-olds with no jobs, no credit, and no collateral is because the federal government guarantees the loans and pays half their interest. Financial advisers at Edward Jones or Prudential can help you sign up for 529 college savings plans, but those plans' generous tax benefits will cost the federal government an estimated $28.5 billion between 2017 and 2026. For most Americans under the age of sixty-five, health insurance appears to come from their jobs, but supporting this arrangement is one of the single largest tax breaks issued by the federal government, one that exempts the cost of employer-sponsored health insurance from taxable incomes. In 2022, this benefit is estimated to have cost the government $316 billion for those under sixty-five. By 2032, its price tag is projected to exceed $6oo billion. Almost half of all Americans receive government-subsidized health benefits through their employers, and over a third are enrolled in government-subsidized retirement benefits. These participation rates, driven primarily by rich and middle-class Americans, far exceed those of even the largest programs directed at low income families, such as food stamps (14 percent of Americans) and the Earned Income Tax Credit (19 percent). Altogether, the United States spent $1.8 trillion on tax breaks in 2021. That amount exceeded total spending on law enforcement, education, housing, healthcare, diplomacy, and everything else that makes up our discretionary budget. Roughly half the benefits of the thirteen largest individual tax breaks accrue to the richest families, those with incomes that put them in the top 20 percent. The top I percent of income earners take home more than all middle-class families and double that of families in the bottom 20 percent. I can't tell you how many times someone has informed me that we should reduce military spending and redirect the savings to the poor. When this suggestion is made in a public venue, it always garners applause. I've met far fewer people who have suggested we boost aid to the poor by reducing tax breaks that mostly benefit the upper class, even though we spend over twice as much on them as on the military and national defense.
Matthew Desmond (Poverty, by America)
Smart Sexy Money is About Your Money As an accomplished entrepreneur with a history that spans more than fourteen years, Annette Wise is constantly looking for ways to give back to her community. Using enterprising efforts, she qualified for $125,000 in startup funding to develop a specialized residential facility that allows developmentally disabled adults to live in the community after almost a lifetime of living in a state institution. In doing so, she has provided steady employment in her community for the last thirteen years. After dedicating years to her residential facility, Annette began to see clearly the difficulty business owners face in planning for retirement successfully. Searching high and low to find answers, she took control of financial uncertainty and in less than 2 years, she became a Full Life Agent, licensed Registered Representative, Investment Advisor Representative and Limited Principal. Her focus is on building an extensive list of clients that depend on her for smart retirement guidance, thorough college planning, detailed business continuation, and business exit strategies. Clients have come to rely on Annette for insight on tax advantaged savings and retirement options. Annette’s primary goal is to help her clients understand more than just concepts, but to easily understand how money works, the consequences of their decisions and how they work in conjunction with their desires and goal. Ever the curious soul who is always up for a challenge, Annette is routinely resourceful at finding sensible means to a sometimes-challenging end. She believes in infinite possibilities as well as in sharing her knowledge with others. She is the go-to source for “Smart Wealth Solutions.” Among Annette’s proudest accomplishments are her two wonderful sons, Michael III and Matthew. As a single mom, they have been her inspiration and joy. She is forever grateful to the greatest brothers in the world- Andrew and Anthony Wise, for assistance in grooming them into amazing young men.
Annette Wise
... nature did not make us to feel too good for too long (which would be no good for the survival of the species) but only to feel good enough to imagine, erroneously, that someday we might feel good all the time. To believe that humanity will ever live in a feel-good world is a common mistake. And if we do not feel good, we should act as if we do. If you act happy, then you will become happy—everybody in the workaday world knows that. If you do not improve, then someone must assume the blame. And that someone will be you. We are on our way to the future, and no introverted melancholic is going to impede our progress. You have two choices: start thinking the way God and your society want you to think or be forsaken by all. The decision is yours, since you are a free agent who can choose to rejoin the world of fabricated reality—civilization, that is—or stubbornly insist on . . . what? That we should rethink how the whole world transacts its business? That we should start over from scratch, questioning all the ways and means that delivered us to a lofty prominence over the amusement park of creation? Try to be realistic. We made our world just the way nature and the Lord wanted us to make it. There is no starting over and no going back. No major readjustments are up for a vote. And no nihilistic head case is going to get a bad word in edgewise. The universe was created by the Creator, goddamn it. We live in a country we love and that loves us back. We have families and friends and jobs that make it all worthwhile. We are somebodies, as we spin upon this good earth, not a bunch of nobodies without names or numbers or retirement plans. None of this is going to become unraveled by a thought criminal who contends that the world is not double plus good and never will be and who believes that anyone is better off dead than alive. Our lives may not be unflawed—that would deny us a future to work toward—but if this charade is good enough for us, then it should be good enough for you. So if you cannot get your mind right, try walking away. You will find no place to go and no one who will have you. You will find only the same old trap the world over. It is the trap of tomorrow. Love it or leave it—choose which and choose fast. You will never get us to give up our hopes, demented as they may seem. You will never get us to wake up from our dreams. Your opinions are not certified by institutions of authority or by the middling run of humanity, and therefore whatever thoughts may enter your chemically imbalanced brain are invalid, inauthentic, or whatever dismissive term we care to assign to you who are only “one of those people.” So get the hell out if you can. But we are betting that when you start hurting badly enough, you will come running back. If you are not as strong as Samson— that no-good suicide and slaughterer of Philistines—then you will return to the trap. Do you think we are morons? We have already thought everything that you have thought. The only difference is that we have the proper and dignified sense of futility not to spread that nasty news. Our shibboleth: “Up the Conspiracy and down with Consciousness.
Thomas Ligotti (The Conspiracy Against the Human Race)
My Future Self My future self and I become closer and closer as time goes by. I must admit that I neglected and ignored her until she punched me in the gut, grabbed me by the hair and turned my butt around to introduce herself. Well, at least that’s what it felt like every time I left the convalescent hospital after doing skills training for a certification I needed to help me start my residential care business. I was going to be providing specialized, 24/7 residential care and supervising direct care staff for non-verbal, non-ambulatory adult men in diapers! I ran to the Red Cross and took the certified nurse assistant class so I would at least know something about the job I would soon be hiring people to do and to make sure my clients received the best care. The training facility was a Medicaid hospital. I would drive home in tears after seeing what happens when people are not able to afford long-term medical care and the government has to provide that care. But it was seeing all the “young” patients that brought me to tears. And I had thought that only the elderly lived like this in convalescent hospitals…. I am fortunate to have good health but this experience showed me that there is the unexpected. So I drove home each day in tears, promising God out loud, over and over again, that I would take care of my health and take care of my finances. That is how I met my future self. She was like, don’t let this be us girlfriend and stop crying! But, according to studies, we humans have a hard time empathizing with our future selves. Could you even imagine your 30 or 40 year old self when you were in elementary or even high school? It’s like picturing a stranger. This difficulty explains why some people tend to favor short-term or immediate gratification over long-term planning and savings. Take time to picture the life you want to live in 5 years, 10 years, and 40 years, and create an emotional connection to your future self. Visualize the things you enjoy doing now, and think of retirement saving and planning as a way to continue doing those things and even more. However, research shows that people who interacted with their future selves were more willing to improve savings. Just hit me over the head, why don’t you! I do understand that some people can’t even pay attention or aren’t even interested in putting money away for their financial future because they have so much going on and so little to work with that they feel like they can’t even listen to or have a conversation about money. But there are things you’re doing that are not helping your financial position and could be trouble. You could be moving in the wrong direction. The goal is to get out of debt, increase your collateral capacity, use your own money in the most efficient manner and make financial decisions that will move you forward instead of backwards. Also make sure you are getting answers specific to your financial situation instead of blindly guessing! Contact us. We will be happy to help!
Annette Wise
Elizabeth glanced up as Ian handed her a glass of champagne. “Thank you,” she said, smiling up at him and gesturing to Duncan, the duke, and Jake, who were now convulsed with loud hilarity. “They certainly seem to be enjoying themselves,” she remarked. Ian absently glanced the group of laughing men, then back at her. “You’re breathtaking when you smile.” Elizabeth heard the huskiness in his voice and saw the almost slumberous look in his eyes, and she was wondering about its cause when he said softly, “Shall we retire?” That suggestion caused Elizabeth to assume his expression must be due to weariness. She, herself, was more than ready to seek the peace of her own chamber, but since she’d never been to a wedding reception before, she assumed that the protocol must be the same as at any other gala affair-which meant the host and hostess could not withdraw until the last of the guests had either left or retired. Tonight, every one of the guest chambers would be in use, and tomorrow a large wedding breakfast was planned, followed by a hunt. “I’m not sleepy-just a little fatigued from so much smiling,” she told him, pausing to bestow another smile on a guest who caught her eye and waved. Turning her face up to Ian, she offered graciously, “It’s been a long day. If you wish to retire, I’m sure everyone will understand.” “I’m sure they will,” he said dryly, and Elizabeth noted with puzzlement that his eyes were suddenly gleaming. “I’ll stay down here and stand in for you,” she volunteered. The gleam in his eyes brightened yet more. “You don’t think that my retiring alone will look a little odd?” Elizabeth knew it might seem impolite, if not precisely odd, but then inspiration struck, and she said reassuringly, “Leave everything to me. I’ll make your excuses if anyone asks.” His lips twitched. “Just out of curiosity-what excuse will you make for me?” “I’ll say you’re not feeling well. It can’t be anything too dire though, or we’ll be caught out in the fib when you appear looking fit for breakfast and the hunt in the morning.” She hesitated, thinking, and then said decisively, “I’ll say you have the headache.” His eyes widened with laughter. “It’s kind of you to volunteer to dissemble for me, my lady, but that particular untruth would have me on the dueling field for the next month, trying to defend against the aspersions it would cause to be cast upon my…ah…manly character.” “Why? Don’t gentlemen get headaches?” “Not,” he said with a roguish grin, “on their wedding night.” “I can’t see why.” “Can you not?” “No. And,” she added with an irate whisper, “I don’t see why everyone is staying down here this late. I’ve never been to a wedding reception, but it does seem as if they ought to be beginning to seek their beds.” “Elizabeth,” he said, trying not to laugh. “At a wedding reception, the guests cannot leave until the bride and groom retire. If you look over there, you’ll notice my great-aunts are already nodding in their chairs.” “Oh!” she exclaimed, instantly contrite. “I didn’t know. Why didn’t you tell me earlier?” “Because,” he said, taking her elbow and beginning to guide her from the ballroom, “I wanted you to enjoy every minute of our ball, even if we had to prop the guests up on the shrubbery.
Judith McNaught (Almost Heaven (Sequels, #3))
Well, I saved you today, didn’t I? Just like I saved you before. You walked out of the Bastion free, without a scratch, and if any Cokyrian but me had caught you with that dagger, you might be drawn and quartered by now.” “You didn’t save me from that butcher,” I said irritably. “But you’re right. About today, I mean.” I could sense his satisfaction, which irritated me all the more. “So accept my thanks, but stay away from me. We’re not friends, you know.” I was nearing my neighborhood and didn’t want anyone to see me with him. He stepped in front of me, forcing me to stop. “We’re not friends yet. But you’ve thought about it. And you just thanked me.” “Are you delusional?” “No. You just said thank you to the faceless Cokyrian soldier who arrested you.” “Don’t you ever stop?” I demanded, trying in vain to move around him. “I haven’t even started.” “What does that mean?” There was silence as Saadi glanced up and down the street. “I want to know where you got that dagger. Or at least what story you told.” “Why don’t you ask Commander Narian? The two of you seemed fairly close.” “Quit making jokes.” “I haven’t made a single one.” “Well?” “It was my father’s,” I said, clinging to the lie Queen Alera had provided, whether by mistake or not. “Oh.” This seemed to take Saadi aback. “And now, because of you, I don’t have it anymore.” I knew I was pressing my luck, but I wanted to make him feel bad. “I’m sorry,” he muttered, seeming sincere enough. Thinking I had maybe, finally, succeeded in getting him to leave me alone, I stepped around him. “Shaselle?” I stopped again, without the slightest idea why. “Your father--what was he like?” The question shocked me; I also wasn’t sure I could answer it without crying. But Saadi appeared so genuinely interested that I couldn’t disregard him. “You have no right to ask me that,” I answered out of principle. “But for your information, he was the strongest, bravest, kindest and best-humored man I ever knew. And none of it was because he took what was handed to him.” For the second time, I attempted a dramatic departure. “Shaselle?” “What now?” I incredulously exclaimed. “Do you have plans tomorrow?” “What?” “I have a day off duty. We could--” “No!” I shouted. “What is this? You expect me to spend a day with you, a Cokyrian--a Cokyrian I can’t stand?” “Yes,” he affirmed, despite my outburst. I laughed in disbelief. “I won’t. This is ridiculous. You’re ridiculous. Enjoy your time off duty with your own kind.” Turning, I sprinted down the street, and though he called after me yet again, I ignored him. As I neared my house, I glanced behind once or twice to assure myself he wasn’t following. He was nowhere in sight. I reached the security of my home just in time for dinner, and just in time to cut off Mother’s growing displeasure--the first step in her progression to anger. I smiled at her, hurried to wash, and was a perfect lady throughout the meal. Afterward I retired to my room, picking a book from my shelf to occupy me until my eyes drooped. Instead of words on pages, however, I kept seeing Saadi’s face--his clear blue eyes, that irritating hair, those freckles across his nose that made me lose willpower. What if I had offended him earlier? He had only asked to spend time with me, and I had mocked him. But he was Cokyrian. It was ludicrous for him to be pursuing my company. It was dangerous for me to be in his. And that, I suddenly realized, was part of the reason I very much wanted to be with him. Saadi aggravated me, confused me, scared me, and yet I could no longer deny that he intrigued me in a way no one else ever had.
Cayla Kluver (Sacrifice (Legacy, #3))
Unlike any other chromosome, the Y is “unpaired”—i.e., it has no sister chromosome and no duplicate copy, leaving every gene on the chromosome to fend for itself. A mutation in any other chromosome can be repaired by copying the intact gene from the other chromosome. But a Y chromosome gene cannot be fixed, repaired, or recopied from another chromosome; it has no backup or guide (there is, however, a unique internal system to repair genes in the Y chromosome). When the Y chromosome is assailed by mutations, it lacks a mechanism to recover information. The Y is thus pockmarked with the potshots and scars of history. It is the most vulnerable spot in the human genome. As a consequence of this constant genetic bombardment, the human Y chromosome began to jettison information millions of years ago. Genes that were truly valuable for survival were likely shuffled to other parts of the genome where they could be stored securely; genes with limited value were made obsolete, retired, or replaced; only the most essential genes were retained (some of these genes were duplicated in the Y chromosome itself—but even this strategy does not solve the problem completely). As information was lost, the Y chromosome itself shrank—whittled down piece by piece by the mirthless cycle of mutation and gene loss. That the Y chromosome is the smallest of all chromosomes is not a coincidence: it is largely a victim of planned obsolescence (in 2014, scientists discovered that a few extremely important genes may be permanently lodged in the Y). In genetic terms, this suggests a peculiar paradox. Sex, one of the most complex of human traits, is unlikely to be encoded by multiple genes. Rather, a single gene, buried rather precariously in the Y chromosome, must be the master regulator of maleness.I Male readers of that last paragraph should take notice: we barely made it.
Siddhartha Mukherjee (The Gene: An Intimate History)
We came to the city because we wished to live haphazardly, to reach for only the least realistic of our desires, and to see if we could not learn what our failures had to teach, and not, when we came to live, discover that we had never died. We wanted to dig deep and suck out all the marrow of life, to be overworked and reduced to our last wit. And if our bosses proved mean, why then we’d evoke their whole and genuine meanness afterward over vodka cranberries and small batch bourbons. And if our drinking companions proved to be sublime then we would stagger home at dawn over the Old City cobblestones, into hot showers and clean shirts, and press onward until dusk fell again. For the rest of the world, it seemed to us, had somewhat hastily concluded that it was the chief end of man to thank God it was Friday and pray that Netflix would never forsake them. Still we lived frantically, like hummingbirds; though our HR departments told us that our commitments were valuable and our feedback was appreciated, our raises would be held back another year. Like gnats we pestered Management— who didn’t know how to use the Internet, whose only use for us was to set up Facebook accounts so they could spy on their children, or to sync their iPhones to their Outlooks, or to explain what tweets were and more importantly, why— which even we didn’t know. Retire! we wanted to shout. We ha Get out of the way with your big thumbs and your senior moments and your nostalgia for 1976! We hated them; we wanted them to love us. We wanted to be them; we wanted to never, ever become them. Complexity, complexity, complexity! We said let our affairs be endless and convoluted; let our bank accounts be overdrawn and our benefits be reduced. Take our Social Security contributions and let it go bankrupt. We’d been bankrupt since we’d left home: we’d secure our own society. Retirement was an afterlife we didn’t believe in and that we expected yesterday. Instead of three meals a day, we’d drink coffee for breakfast and scavenge from empty conference rooms for lunch. We had plans for dinner. We’d go out and buy gummy pad thai and throat-scorching chicken vindaloo and bento boxes in chintzy, dark restaurants that were always about to go out of business. Those who were a little flush would cover those who were a little short, and we would promise them coffees in repayment. We still owed someone for a movie ticket last summer; they hadn’t forgotten. Complexity, complexity. In holiday seasons we gave each other spider plants in badly decoupaged pots and scarves we’d just learned how to knit and cuff links purchased with employee discounts. We followed the instructions on food and wine Web sites, but our soufflés sank and our baked bries burned and our basil ice creams froze solid. We called our mothers to get recipes for old favorites, but they never came out the same. We missed our families; we were sad to be rid of them. Why shouldn’t we live with such hurry and waste of life? We were determined to be starved before we were hungry. We were determined to be starved before we were hungry. We were determined to decrypt our neighbors’ Wi-Fi passwords and to never turn on the air-conditioning. We vowed to fall in love: headboard-clutching, desperate-texting, hearts-in-esophagi love. On the subways and at the park and on our fire escapes and in the break rooms, we turned pages, resolved to get to the ends of whatever we were reading. A couple of minutes were the day’s most valuable commodity. If only we could make more time, more money, more patience; have better sex, better coffee, boots that didn’t leak, umbrellas that didn’t involute at the slightest gust of wind. We were determined to make stupid bets. We were determined to be promoted or else to set the building on fire on our way out. We were determined to be out of our minds.
Kristopher Jansma (Why We Came to the City)