Steve: Wake up people!  its a Trap!

I got a whole lot of response from yesterday’s discussion.  We used three articles that I found in the Houston chronicle and showed how all three of them perfectly outlined the average working person’s business model.  The model itself tells the average person to get a high paying job with benefits, work for forty to fifty years, and when all that is over you will be living the rest of your life happy and content.  We went through these articles and I don’t believe they were intended to teach this business model but if you read them correctly they outlined the model perfectly. 

Ninety percent of people are retiring at or below the poverty level.  That means nine out of every ten people are using that method and finding out at the end of their working career that the model doesn’t work.  So what is the real strategy that is being presented? I think I can help explain it in a nutshell.  They are saying to forget about what you are passionate about, don’t worry about doing what you love and what make you happy because it is all about the money and the benefits.  You will be able to pick up your hobby later in life and turn it into a money making machine when the money from your job begins to run out.  In this way nine out of ten people reach the age in which they are about to retire and they wake up realizing that they are really no where close to being able to retire comfortably. 

Then these advisors, instead of giving useful suggestions on how to turn the money you have into a cash machine for you, tell you to start taking things out of your life.  First they want you to slow down your spending and stop having fun altogether.  Save that money because the end is near and you need everything you can get your hands on to.  Their last bit of advice is the “best” of all.  Once you reach retirement age they want you to completely give up all the excellent things you have acquired over the years.  Sell your family home, sell you jewelry, and sell everything!  Once that is done you need to hunker down and pray that death finds you before the money leaves out of your bank account completely. 

That’s their business model!  Go look at yourself in the mirror and be honest.  Does that sound at all familiar to you? I think that for some of you it might.  Don’t get your feelings hurt here people.  Don’t let you ego get a hold of you now because you need to look at your life not as a successful or failure, you need to look at it in terms of results.  As far as their business model is concerned you have succeeded and are exactly where they say you should be.  I know you are upset, and you should be, but where are these golden years that were always talked about? What happened was that the model was changed in front of all our eyes and the higher ups convinced us that this new model was the wave of the future. 

They have put you on a bell curve.  You start with no money, you save and earn and save some more until you retire with a good size amount of cash and then as you live on the money disappears.  That’s not how it’s supposed to be!  You need to start low and as you earn money invest in real investments and then develop streams of income that will provide for you when your job no longer does.  That is the golden era people.  When you no longer need to worry about money coming in from the place you work.  This is the kind of money that will not stop coming and will always be there for you.  So do you want to stay in the business model that you all now see to be useless?  What if someone told you there was another way? Would you try as hard as you could to move toward that better system?

I’m telling you that the system is out there people and more and more are learning about it and following through to accomplish their dreams and find even more than they ever could have hoped for.  Everyone should have their golden era at the end of their life.  What will you do to get your golden era?