The 45 Year Plan - Work Until You Die

The employee career path isn't designed to make anyone wealthy - it's designed to get us to work until we die. If we succumb to the marketing pressures, it's even less likely that we'll reach retirement with significant savings.

To break free of this "rat race" cycle, one must first take notice of it and then have the financial discipline necessary to, eventually, not require to actively partake in it. Sometimes, this means that we must forgo buying things in the immediate moment for future gains. Things, such as, streaming services, gaming services, internet, excessive hobbies, cars... could be destroying our future financial situation. It's important to identify the things that are holding us back and removing them from our lives.

We need to find ways to be less of a consumer and more of a producer keeping in mind that in a society based on consumerism, it's easier to be a consumer than a producer.

"Comfort is the worse addiction."

-Marcus Aurelius

The 45 year plan...

If you have no plans for your life then you're on, what is commonly referred to as, the 45 year plan. You start working in your early 20s, get a few pay increases until you're in your 30s where you plateau until you reach the retirement age of 65 (that may change) where you'll retire with a third of the money you barely could live off of while you were working. 

If that doesn't sound like a good plan then to you spend some time thinking about how you want your life to unfold and act accordingly, Keep in mind the following:

• You need a goal and to follow-through on them.
• Be mindful of the sort of debt you decide to take on. Getting a loan for a 4wheeler isn't the same as getting a loan for a house. 
• Have a budget that include contributions to saving/investment accounts.
• You partner must also be on board with the change. If you start saving, and your partner is spending... then it's not going to work.
• To earn more, you have to become more. Invest in yourself through self-education. Spend some time reading, watching documentaries, listen to podcast... on a wide range of self-improvement subjects. 
• Exercise and eat good food. Be mindful of your body - if it's under too much stress then you won't be able to think clearly. A healthy mind/body is more productive.
• Expand your social circle to include people that have the results that you want in life. Your life is roughly the average of your 5 closets friends. If you want a better life then hangout with people with better results. Good associations can expose you to better opportunities.

The 45 year plan doesn't have to be the plan for your life. Make the decision to move away from it.

"You don't pick your destiny. You pick your habits that in turn pick your destiny." 

-Claude Hamilton