The Mid Way Point

?????? ?????????? ???????? ???? ?????? ???????? ???? ????????. ???????? ???? ???????? ????????, ?????? ?????? ?????? ?????? ?????? ??????????????.

???? ?????? ???????????????? ?????? ?????? ?????? ???????????? ?????????????? ?????????? ???? ???????????????? ?????? ???????? ???????? ??????????????.

You did the celebration, even if was modified. You may have watched at least some of the parade and the game if you could find one.

And, you professed to yourself and the world that this year was going to be different.

You had things you were going to do. You were determined.

?????? ???????? ?????? ?????????? ?????? ????????’?? ??????????????????????.

?????????? ?????? ?????????

?????? ?????????? ???????? ???? ?????? ???????? ???? ????????. ????’?? ???????????? ???????? ???????? ?????? ?????? ???????????? ??????????????. ?????????? ?????? ?????????

Or more specifically where are you with them now?

Is this just one more in the string of years in your life that your New Year’s resolutions appeared and then just faded away into the oblivion of life events?

I get it. I understand. Do you?

When you have a list of New Year’s resolutions it’s actually more of a wish list than a “to do list”.

If you start with that basic understanding it makes things a lot easier.

???? ??????’???? ????+ ?????? ???????????????? ?????????????? ???????? ???????? ???????????? ?????? ???????? ?????? ???????? ???????????? ???????? ????????. ???? ?????? ????????????, ???? ???????? ???????????? ????????.

??????’???? ???????????? ???????? ?? “???? ???? ????????”.

You’ve got more experience with those and you know that sometimes you actually get something done on that list.

However, most of those things don’t get done either.

So, what’s the problem? ?????? ???? ???????? ???????????? ?????? ???????? ?????? ???????????? ??????’???

It’s a simple matter of focus and priorities.

What are you focused on and what’s a priority (to you) at that moment in time.

?????? ???? ???????? ???? ?????????????????? ???? ?????? ???? ?????? ???????????? ???? ????????.

You may not want to do something, however the immediate consequence of not doing that thing is something you want to avoid more than doing the initial thing so you do the thing.

It became your highest priority at the time and you got it done.

So, ?????? ???????????????? ???????????????????????? ???? ???????????? ?????????? ?????????????????? ???????????????? ???? ???? ???????? ???????????? ???????? ???????? ?? ???????????????? ??????????????.

We go to work because if we don’t have a job and make money we won’t be able to pay the utility bills and the mortgage and we could end up on the street or living in a friend’s or relative’s basement.

That’s an immediate foreseeable consequence for not taking that action of going to work. So going to work is now a priority that we’re focused on.

????’?? ?????? ???????? ???????? ???????? ????????????????????.

???? ?????? ????, ???????????????????? ???? ?? ??????????????.

You know that you have a short window of time to do anything meaningful for your retirement savings, but you have more immediate concerns, like attending those social functions, getting a new shiny car, going on vacation or a more basic taking care of the bad roof on the house.

???? ?????? ????+ ?????? ?????????? ???? ?????? ?????? ???????????????? ???????????????????????? ???? ?????? ???????????? ???????????? ?????????? to live for the next 20-30+ years of your life and they start to become more immediate.

Now, at age 60+ with an underfunded retirement account, you know that what you’ve been doing for the last 30-40 years of your working life has not worked for whatever reason.

?????? ?????????? ?????????????????? ?????? ???????????????????????? ???? ???????? ?????????? ????????????, ?????? ???? ?? ???????????????? ???????? ?????? ?????? ?????????? ?????? ?????? ?????????? ??????’???? ???? “????????????????????”.

Whatever you do at this point is going to be out of your comfort zone.

????’?? ?????????? ???? ???????? ???????? ?????? ???? ?????????? ?????? ???????? ?????? ???????? ?????? ?????????????????? ???? ??????????????.

Every day that goes by brings you a day closer to that point of “retirement” (not being able to work by your choice or by other circumstances).

?????????? ?????? ???????? ???????? ????, ???????? ?????????????? ???? ?????? ???? ?????????????? ???????? ?????????????????? ????????????????.

????, ???? ?????? ???????? ???? ?????? ???????? ???? ?????????? ?????? ????????’?? ?????????????????????? ????????, ?????? ?????????? ???? ???????? ???? ?????? ????????.

?????? ?????????? ???????? ?? ???????????? ???? ???????? ???????? ?????? ??????.

…Just one or two items and make them a focused priority in your life.

You’ll be surprised at what you can accomplish.

?????? ????????: ???????? ?????? ???????? ?????????????? ?????????? ?????????? ???????????? ???????????????????? ????????????????

https://www.facebook.com/groups/501405184386412

Dr Fred “focused for retirement” Rouse, CFP

The REAL Money Doctor