Adversity

It is not the adversity, but what we do with it, that determines our fate.

Steven R Perryman CPA

Sorry kids! I am spending your inheritance

From BMO based on data from the Federal Reserve. 

I don't think Americans can continue to borrow and not save at this rate.

Wisdom

 

New word - Recrudescence

 Recrudescence

The return of something unpleasant after a period of relief.

Knowledge

Screenshot 2022-11-03 at 7.24.42 PM

21 tiny habits to improve your life effortlessly in 6 months

 from financialsimplified on instagram

1. Write down 3 things you are grateful for - Start with one if need be.
2. Say "No" once a week - If you say "Yes" to everything, you'll never have time for yourself.
3. Exercise for a minute when you wake up.  Do 30 pushups or plank.  This will get your blood flowing.
4. Invest in experiences - Instead of buying materialistic things, use that money to buy a new experience.  It will fill your heart.
5. Organize your home.  A clear home = A clear mind.
6. Give things away - Things that you haven't touched in months, give them away.
7. Manage your money - Simply make an excel sheet on how much money you are bringing in and how much you are spending.
8. Stand up every hour you are awake.  It's easier said than done, but you will get used to it as you do it daily.
9. Ask open ended questions - it helps keep a conversation going.
10. Follow this simple proverb, "When we have no head, we have legs."  Accept what's done is done.
11. Turn off notifications - You'll be able to accomplish more.
12. Prepare your clothes the night before so you don't waste any time in the morning when your mind is more active.
13. Avoid watching the news as much as possible.
14. Drink more water - Gives you more energy and improves your mental clarity.
15. Discover one new thing a month.  This will help you keep your childlike curiosity alive.
16. Make your bed - "If you want to change the world, start off by making your bed.' Admiral William R McRaven
17. Spend a minute a day with yourself.  No phone or any devices, just you and your thoughtss.
18. Ask yourself whether what you're doing is worth it.
19. If a task takes 2 minutes or less to do, do it right away. - Prevents you from procrastinating.
20. Take care of your posture.  Bad posture = Pain in the long run.
21. Read for at least 15 minutes a day - "Leaders are readers."  Make this a habit, and read books that will improve your life.