Changeinadvance

YOUR JOB IS WORTHLESS.

No seriously. Your job will not get you to a comfy retirement let alone a great income. Now I’m sure many of you are going elsewhere at this very moment insisting to yourself and anyone who will listen that Tony has gone nuts! However let’s go through the facts.

-You fund Your retirement now.
My father has a defined benefit plan. His job offered a retirement based on pay grade and years in service and such. Nowadays this is being attacked as well. My point though is much scarier. Companies and municipalities alike are require more of your income to fund your retirement. And they chip in at most two percent. Wow. Nice. Maybe you get a match of up to six percent but that’s peanuts. You have to fund your retirement now out of your meager incomes and its not helping you that much once inflation and health costs get factored in. The sad fact is you are losing and you agreed to it. Now some of you are savvy investors. I try but I bet my readers blow me away in this category. The sad point here is you are now your future and if your present requires much cash you are stuck.

-Your Healthcare plans are trash now.
Healthcare is under attack no matter what side of the debate you are on. But its safe to say we will all lose something in this shake up. I have excellent care. What they call a cadillac plan. And no matter what happens in the next year and a half or so I’m sure I will lose something. My co-pays are up and my quality of service is down. Not what I signed on for. And your hmo?

-Maternity leave in America is a joke.
Always has been always will be. You can’t change this unless you leave the country or try one simple solution we will discuss later. We get six to twelve weeks. Wow. Thanks. Some countries give two years at full pay per parent. That’s four years to rear your child’s most important developmental stages. Not getting that here I bet.

-Taxes are killing you every check.
Every hour you work a third or more leaves your pocket. And yeah yeah, I know it funds our cities and armies and trash collection- but I’ve seen nothing but government wanting more. So the job being done costs more but the workers are taxed less and like we spoke about- are paying their own retirement. Yikes! Why pay? Because its jail if not. You lose spo much money before you even see it. My good readers I believe you would settle up with Uncle Sam annually and I further believe that you could use said funds better up font to soothe the loss they add up to. Shame Uncle Sam doesn’t trust like I do….

-Your income tax return is a joke that you fund and draws less interest than you could get elsewhere.
You get a few grand if you are lucky. I’m not. I have debt and no home to claim or kids to claim. So Uncle Sam loves me. But I owe every year about two hundred bucks. Why? Because I put my funds to better use and I refuse not to control my dollars. I claim more upfront and as such my cost of living is up and I have less day to day pressure on my cashflow. Are you getting the same or licking your chops at a few bucks that are yours in the first place being given back on someone else’s schedule?

-80 is the new 60.
Aka retirement ages are rising. If I stay at my job I won’t retire until I’m 67 they say. Economy is slowly dying so I bet 80. And so do many economists. Google it people. Do you want to work that many years? I started at 11. Ouch. Yeah we really want to work just to retire. I want to work for enjoyment and a legacy- you?

Now that we’ve covered the bad would anyone like to know the solution to this fiduciary nightmare?
Start your own business. Live your own life.
Its the only way folks. You dictate your terms or you give up. Starting your own business part time is the solution. It will solve every issue we have covered. Increasing your tax returns frees up income. Writing off daily expenses through your business building increases this factor as well. In fact your quality of life can increase immediately by transferring liabilities and wants to your business. The business can pay for trips and automobile leases et al. Also stop using your credit. Why risk it when a business not only does this for you but can shield you from potentially costly losses. And you can get low cost loans and grants to do this! The government encourages it and subsidizes it. Some 60+ percent of all jobs are created by small business. So you are not only securing your freedom but in theory helping your community and country. Sounds perfect right? Also that maternity/paternity leave- if you were the boss you could be there for every first step, word, and kiss. All the soccer games and recitals. Maybe you don’t want kids- fine. Enjoy working your schedule as you see fit. Retire? Why would you. A mentor of mine is approaching 70 and has twin eight year olds. He makes his hours and does every Thanksgiving in Hawaii. He’s my hero. He does as he pleases. Now he’s no slouch, get it right. But he has raised a self made millionaire and has two little ones who are benefiting and seeing first hand what a dad who is free can do.
What are you looking for. I want choices. Freedom. And a Ferrari. I won’t lie. But working for someone else rarely gets you there. Let’s work together to live our dreams and supply dreams for the less fortunate.
You with me?

#thriveorsurvive.

I Have Seen To Much Victory To Believe That Defeat Is Going To Have The Last Word
-REV AL SHARPTON

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