Saving For Retirement A Process For Change}

Saving for Retirement a Process for Change


Former Retiree

In my last article, you might recall that I mentioned a process that I used to help me turn my life toward wealth. Before I go into that process, however, I think it necessary to issue a caution. Most of us have been conditioned, almost from birth, into the belief that we should aspire to get a good education, to get a good job, with a good company as the road to the American Dream. That conditioning is so insidious and so complete that only 3 to 5 percent of the population either break free of it or are fortunate enough to be born into an environment where a different reality is taught.

What you do or dont do with your life is totally up to you. I know that many of us are so steeped in the societal conditioning that well never break free of it to the point where we will make some different choices. Most of us dont even know that we are conditioned. We rarely question what weve been taught by our families, friends, neighbors, teachers, ministers, and other authority figures. We dont know that if we continually repeat something to ourselves or if it is continually repeated to us by someone else, it eventually becomes learned and also becomes our reality. We just learn and then we do what weve learned for the most part. Once we accept learned information or behavior as our reality, it becomes a real challenge to change. That does not mean that we cannot change. It simply means that our lives are kind of placed on automatic pilot and we generally repeat the same kinds of experiences day after day with little variation. The will to change is pushed so far into the background that we seldom even think of attempting to override our automatic pilot.

Youve probably noticed that my previous articles dont include much dogma, nor do they have strong, evangelical positions, with the exception of my position that paycheck-to-paycheck employees ARE NOT PAID WHAT THEY ARE WORTH . There are two points, however, about which I feel very strongly and they are non-negotiable. To change YOU MUST HAVE (find or develop) A PROCESS, and YOU MUST MAKE A COMMITMENT. Living the 180 degree life is no joke! Were talking about your financial future. It is very serious, but at the same time you should also find ways to make it FUN.

Lets say that you have indeed concluded that you desire more of what you want from life, and youre ready to commit to a process for facilitating that change. You are truly going to begin living the 180 degree life; a life thats completely opposite the present one. Where do you start? What process do you use?

Step one in the process for change that I recommend is to make some uninterrupted time for your self. If you do this process properly, its going to take several sessions. Use as many sessions as you feel are necessary. DO NOT RUSH. Take out a sheet of paper, preferably lined. Draw a line down the middle of the page. On the left side of the page list ALL beliefs, situations, habits and conditions that you can think of that you do not want in your life because they do not serve you well. Here are a couple of mine: People are out to screw me financially. Rich people are selfish. My significant other is not a caring person. Ill never get ahead. Use as many sheets as necessary but keep the list to the left side of the vertical line. You might want to use headings for your list like Personal Relationships, Money, People, Skills, Abilities, etc. That should keep you busy until the next article.

Remember, you do not have to live on less in retirement. No matter where you are right now financially, you can build and enjoy a Million Dollar lifestyle retirement. Peace.

Harold L Lowe retired at age 62 when his six-figure income position was eliminated. He shockingly experienced a 50% reduction in his (combined pension and Social Security) income. Hes since learned that income reduction is faced by most paycheck-to-paycheck employees. Claim your copy of his Free, eye-opening Report Financial Planning for Retirement is not Enough! at

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