Personal Accountability is the Way to Go


There is so much in the news lately about planning for retirement. We have at least 40 years to start putting some money away to take care of ourselves when we get older. Yes but you say, what about the current house, kids and bills? There just isn’t anything leftover. Well I disagree. I see how people spend their money. The kids have to have candy and soda at the movies or the parents have to have the next version of the iPad, cellphone or tablet. Perhaps it’s the necessity of eating lunch hour or going to Starbucks…

Yes you can enjoy your life when you’re young but one must pay the piper when they are finished playing as the saying goes. Whether its small change or dollars saved, there are ways to do it. Something has to be given up in order to have something later. Sorry but one cannot have their cake and eat it too. Why is it the government’s responsibility to provide for all that a person can’t pay for? I’m not talking about those truly in need. I give plenty to charity and believe in helping those less fortunate. I’m talking t people that get caught up in living the good life and then wonder why they are still working at 72 because they can’t retire….as they don’t have enough money to live on.

Let’s break this down. Daily Starbucks is $25 A week just for the world week. Then lunch is another $50 if it’s kept simple. What’s wrong with fixing a teabag in the office or a cup of coffee? And there are a ton of options to save money lunchtime from prepared meals from the store to actually making something or even just sandwiches from home. If one adds up 40 years of teabags and lunches from home we have lots of money. Ok not enough? Vacations once a year versus every holiday.. staycations can be fun too. An event locally can be fun and usually a lot less expensive than a quick trip to the Caribbean over  four day break. An exaggeration? Perhaps, but I know people like this…

I might be the exception but I took my lunch to work most days, ate a nice salad at the salad bar otherwise, was careful about electronic consumerism and was moderate about vacations. I paid extra on my mortgage to pay it off by retirement and saved yearly. I can now reap the benefits of the savings that I slowly put away year after year. In other words, I’m living the American dream. I worked my 40 years in a normal corporate job, saved my money and now can pay my bills and do a fair amount of travelling. I feel blessed that I have the money for doctor bills, household expenses and a trip here and there. Being in abundance by giving to charity means that God lets me keep the rest.

In summary, personal accountability is the way to go; slow and steady for 40 years not trying to screw the system in the last few years to make up for what you did or didn’t do all along. We pay into social security and Medicare so these are earned benefits not optional entitlements. That’s my version of the story and I’m sticking with it! Comments are always welcome.

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