Declining Or Improving, Your Life Is Not Static, Reminder, Keep It Ascending

January 3, 2024,

Nothing in organic life is static.

It doesn’t stand still.

It is always moving backwards or forwards, sideways and especially up or down.

Your life is very organic.

It is moving.

We sense we know what direction most of us want it trending in.

Absolutely upward. And you know what?

The orchestrator of that trend, individually, is all of us.

Most of our life structure can be outlined in terms of family, residence, health and money.

The big four.

You could alter the list, like asking is your morals, principles and internal makeup improving but that is very subjective and prone to personal insecurities and interpretation.

Still, very important.

Here, we are primarily looking for tangible assessments and evaluations.

When it comes to family, you have a very clear idea whether your relationship with your spouse is improving with age, as it should, or declining and possibly in trouble.

When it comes to your children, they are either getting good grades in school or they are not. Always remember, C is average.

They are either achieving awards or getting in trouble with the authorities. Then it becomes a simple test. Is their behavior better this year or worse?

Nothing is static.

Your residence is extremely important in terms of buying and making payments that you can easily afford, which becomes a brick wall in your favor to insulate you from inflation or keep you from renting and the rent goes up every year.

On September 6, 2023, The Wall Street Journal posted, “America’s suburbs are posting the country’s fastest-rising rents, a sign that the recent migration of families from major cities is starting to look more long-term.”

Here, in a Northern California city, we know of rents for one bedroom apartments going for $1,800 per month.

No wonder people are migrating.

According to nasdaq.com, reporting on December 29, 2023, “Generally speaking, the average Social Security check was $1,710.78 in November, according to the Social Security Administration.”

Not hard to do the math on that one. If you are a senior with no savings or pension, you cannot afford to live in that Nor Cal city.

When it comes to health, is your diet and nutrition improving?

Are you walking and running more?

Are you consistent in working out at the gym?

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Are you cutting down on the major poisons of sugar (diabetes) and salt (high blood pressure)?

You are either improving from last year or you are not.

Remember, it is best to keep trending towards improvement.

Gradually.

Which now brings us to the very important subject of money. These days, it appears you can never have enough of it.

With inflation, the rising cost of permanent housing and rent, if you were taking it easy, just getting by, and content with that, one day you might find yourself falling behind.

Savings only goes so far. As many of us have found out the hard way, when a crisis comes, it can dry up very quickly.

Simply stated, your liquid financial portfolio should be going up every year. You will be older, much sooner than you think.

Time to focus on money. Most of us could use some help in that area. Let’s walk over to the bookstore.

We love the famous author.

The Money Book for the Young, Fabulous & Broke

Book by Suze Orman

“The Money Book for the Young, Fabulous & Broke is financial expert Suze Orman’s answer to a generation’s cry for help. They’re called “Generation Debt” and “Generation Broke” by the media — people in their twenties and thirties who graduate college with a mountain of student loan debt and are stuck with one of the weakest job markets in recent history. The goals of their parents’ generation — buy a house, support a family, send kids to college, retire in style — seem absurdly, depressingly out of reach. They live off their credit cards, may or may not have health insurance, and come up so far short at the end of the month that the idea of saving money is a joke. This generation has it tough, without a doubt, but they’re also painfully aware of the urgent need to take matters into their own hands.

The Money Book was written to address the specific financial reality that faces young people today and offers a set of real, not impossible solutions to the problems at hand and the problems ahead. Concisely, pragmatically, and without a whiff of condescension, Suze Orman tells her young, fabulous & broke readers precisely what actions to take and why.

Throughout these pages, there are icons that direct readers to a special YF&B domain on Suze’s website that offers more specialized information, forms, and interactive tools that further customize the information in the book. Her advice at times bucks conventional wisdom (did she just say use your credit card?) and may even seem counter-intuitive (pay into a retirement fund even though your credit card debt is killing you?), but it’s her honesty, understanding, and uncanny ability to anticipate the needs of her readers that has made her the most trusted financial expert of her day.

Over the course of ten chapters that can be consulted methodically, step-by-step or on a strictly need-to-know basis, Suze takes the reader past broke to a secure place where they’ll never have to worry about revisiting broke again. And she begins the journey with a bit of overwhelmingly good news (yes, there really is good news): Young people have the greatest asset of all on their side — time.”

See what we mean?

She seems to cover it all. Great ideas.

A new year often comes with new expectations. With the hope that things will be better this year.

They can be.

Make it a priority.

Keep focusing on improving your family life, living situation, finances and health.