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Living “The Life” of 100 Years, (Part 3, Yearning)

Living “The Life” of 100 Years

Part 3 – Yearning Years

They say that hindsight is 20/20 meaning that when we look back in our life, we see much more clearly what we should have done at different points over our life; positive or negative as that may be.  More times than not, I think we tend to focus too much on decisions we made that we believe were incorrect at the time we made them and if we would have chosen a different path our current situation in life would be different.  Much better of course!

As we age and daily face different challenges and opportunities in our lives, the number of decisions we make piles up for each of us.  The negative outcomes of those decisions around doing or not doing something correctly or incorrectly in our past may be seen as regrets; based entirely from our current singular viewpoint at this time.  Regrets or disappointments about our past choices are not something we want to look back on in our life. What regrets do you have so far in your life?  Are you making better decisions today about the many tomorrows you have coming up in your future? Are you using your past to make a better tomorrow for you and for your family?

The simple truth is that today is the day that you create your yesterday.  Tomorrow, you will look back at this very point in time which will be in your past. With this simple passing of time, the quiet rotation of the hour hand on a clock, those things you do today will soon be in your past and you will be looking back at them tomorrow.  Make sure tomorrow, you do not regret what you did or did not do today.   Make sure your today matters!  Deep isn’t it?  It should be, after all, this is “Your” life.

This blog “Yearning Years“ is part 3 of a three part series titled, Living “The Life” of 100 Years.  It follows part 1, “Learning Years” and part 2 “Earning Years” published earlier on www.LifeLongU.com .

The series is intended to show that over the course of our life, hopefully around 100 years or so, most of us live through three different phases.

The first phase is “Learning” and covers about the first 35 years of our life.  Here we learn how to take care of ourselves, our families, strengthen our body, sharpen our mind, ponder our soul and how best to interact with others.  In this phase we learn how to think and learn how to do many different things.

The second phase is “Earning” and covers the middle part of our 100 year life or about age 35 to 65 years or so.  In this phase, our life becomes more focused on earning by applying what we learned in our earlier years.  In this phase the better you apply what you have learned may impact your earning potential greatly.  Obviously, money is not everything, but we should earn to our true God-given potential and use those blessings for His intended purposes. Our learning never really stops in life, whether in school or in our daily lives, applying your knowledge or making educated decisions while taking action are what matters.  Learn from your mistakes.  Positive action is what moves us forward, increasing opportunities for growth of all kinds in our lives.  Amassed and unutilized knowledge can lead to arrogance and waste.

The third phase is “Yearning” and it covers the last portion of our life; those years after we leave the earning phase, typically after 65 years or retirement.  In this phase, if we learned well in our learning phase and applied what we learned during our earning phase, our yearning phase could be filled with many possibilities. The yearning phase is about fulfilling your true life purpose, completing those things you have not done and always wanted to do, about coming to understand that all things come to an end and how will you enjoy your final years.  It’s also about surrounding yourself with family, friends and memories.  Since you tend to have more discretionary time, it’s about giving back to others and sharing your wisdom, wealth and efforts.

This phase can also hold the most fear for us; although we each deal with it differently.  The thoughts of aging, not having adequate funds to do what we always wanted to do, the chance of poor health affecting our inability to do what we always wanted to do and the loneliness because of loss of loved ones, friends and family members all affect this phase. Some of these will most certainly happen to each of us and that is not something we want to dwell on, but is a fact of life.

Make sure that today matters.  Make sure that when your days are piled on top of each other, the combined total of what you did with them supplies you with what you want from life.  Take responsibility for your life.  Make sure that you have a plan for your life, that you use what you have learned and recognize that you may not know it all and may need help in some areas.  Make sure you take action and seek out those that want to help and get their help.  Don’t enter the “Yearning” phase filled with regrets but prepare to enter it with eagerness and truly Living “The Life” of 100 Years.

 

Gary J Kiecker

LifeLongU.com

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Living “The Life” of 100 Years, (Part 2, Earning)

Living “The Life” of 100 Years

Part 2, Earning Years

 

Last week I posted part one “Learning Years” of a three part series called Living “The Life” of 100 Years. This week we continue with “Earning Years”, the next 35 years of our 100 year life.

Have you ever considered living a lifetime of 100 years?  What does it really take to do such a life feat?  What type of planning should be involved?  You may think you will never live that long, but what if you do?  What if the Lord blesses you with long life?  Will you be ready for your golden years, mentally, physically, spiritually, financially?  Have you been using your knowledge to improve your earnings in life so far, or have you simply taken a job to collect a paycheck and allow life to happen to you?

We tend to spend a lot of our time predominately focused on generating income and accumulating wealth since it is the time when most of us are at our peak earning years, from 35 to just around 70.  As we enter the “Earning Years” phase many of us have completed a desired level of schooling, have an education in our intended field of interest along with a fair amount of work experience in an industry we have sought out or ended up in.  In any case, as we move through our 30’s and 40’s, we have a value to offer the job market, and the job market has an amount it will reward us with.  Hopefully, the job market reward is equal to or higher than our own calculated value.

In today’s job market, which has become global, we now have a lot of competition from around our own geographic area as well as around the world.  Jobs that have been around for many years may be gone, may have relocated or the skills needed to do them have dramatically changed and may continue to change.  While we are in our “Earning Years”, we need to continue our learning and educating ourselves with new skills that keep us competitive and make us more desirable in the job market, or risk the value we bring to the job market and therefore risk a decrease in our earnings.  This tends to happen as we age.  The younger individuals entering the job market simply have more modern skills needed by business, while the older generation’s skills, although impressive, become less valuable because the job market now needs the more modern skills learned and offered by a younger generation.  Consequently, as we age, we may find our earning power decrease in value because of new skills required (which we may not have learned or bothered to add to our skills inventory) and also because there will be more unemployed individuals applying for those fewer jobs of old.  It becomes pure supply and demand; fewer jobs with more qualified applicants willing to settle for less value drives down the amount the job market offers for a position, and you end up making less.

Since the “Earning Years” is a bell curve rising in the third and fourth decades of our life, and falling in the sixth and seventh, it is very important to plan during this feast of earnings time.  If you fail to focus on putting away some of your gains during this phase, your “Yearning Years” may be filled with a lot of regret.

Working in your career is only one way to earn.  Can you think of any others?  Individuals that are truly successful in this phase of their life learn to multiply their earning potential by adding additional streams of income.  Some have a second or even a third job, some develop a hobby and learn to make extra income from it, some purchase real estate and learn the fix, flip and rental business, others may simply start a small business and still others may find extra money to invest in someone else’s start-up or ongoing successful enterprise.

One key element to be aware of with developing any of these additional streams of income is your time.  If you work a second or third job, obviously, you need to be there in order to get paid.  There are only so many hours in a day and assuming you need to sleep, your earnings will be limited by the amount of time you can effectively work at adding value.  Likewise with a hobby, you need to do the work, unless you can turn it into a small business; and by small business, I mean create a product or service that makes you more than just an hourly wage.  Your small business needs to create income for you (the owner) without you working in it all day, every day.

If you intend to develop additional streams of income and want to work less and make more you will need to focus on products and services that add value to a customer, and allow profit for you (the owner).   Focus on businesses that have the potential to create wealth for you in multiple ways.

Take real estate rental property for instance…you purchase a property, fix it up and rent it out.  Assume in this simple example you have a positive cash flow situation, a long-term low maintenance renter and a strong housing market. Over time, the rents collected pay off the mortgage on the property; increasing your equity (which is value to you) leaving you with a little extra cash each month (which is value to you) and the property appreciates in market value (which again, is value to you).  With an example like this, market timing and deal structure are very important as well as the amount of time you have to consistently work to maintain this income stream.  This is one example of creating an income stream that can generate wealth in several different ways while you still work your career or job.

A different example can be a small business.  If you start and build a small business, you may find that certain small businesses can provide you with a salary which replaces your current job; it may also supply many benefits and perks that replace existing expenses you may now be paying for out of your current jobs paycheck; if successfully run, it can provide additional profits to you (the owner) besides your normal paycheck; and again if successfully run, it may provide you with more time to do other things during your day besides work;  or you may be able to sell the business, it’s equipment, buildings and other assets at some point for a large cash payout to do with as you choose.  Small business is a good way for many individuals to grow their earnings and wealth doing nothing more than getting up and working everyday…isn’t that what you are doing anyway?

The United States of America is still a land of opportunity.  You can live here, work, receive a competitive wage for the value you provide and live a better than average life (when compared to the world at large).  You can own multiple pieces of property that can over time increase your earnings and wealth.  You can start, own, run and sell a small business that will also increase your earnings and wealth.

But to do this, it takes planning.  It takes some additional resources that you may not be comfortable or knowledgeable in using.  It takes others that have those skills to advise, coach and mentor you.  It takes you to want to maximize your “Earning Years” now, knowing that they will decrease over the years to come.

If you think it may be too late to start a business, consider what can happen over a short span of time:

Twitter is 8 years old, Market Cap Value of over $24 Billion

Facebook is 10 years old, Market Cap Value of over $207 Billion

LinkedIn is 12 years old, Market Cap Value of over $29 Billion

Google is 16 years old, Market Cap Value of over $373 Billion

Sitting down and constructing a life plan at this point in your life will be very helpful to you and your future.  A life plan and the right professional coach will help you learn to earn more in your “Earning Years” phase and provide a more disciplined structure for staying focused as well as persisting through difficult times.

Are you in your “Earning Years” phase?  How much are you earning?  How many income streams do you have coming in?  What is your potential to add more?  Why haven’t you done this already?  Where will you be 10 years from now (don’t forget about Facebook and Twitter, both are under 10 years old)?  Let’s not have any regrets as we age…

Next week we conclude this three part series, Living “The Life” of 100 years with part three, “Yearning Years”.

 

Gary J Kiecker

LifeLongU™

 

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Living “The Life” of 100 Years, (Part 1, Learning)

Living “The Life” of 100 Years

Part 1, Learning Years

 

Have you ever considered living a life time of 100 years?  What does it really take to do such a life feat?  What type of planning should be involved?  You may think you will never live that long, but what if you do?  What if the Lord blesses you with long life?  Will you be ready for your golden years, mentally, physically, spiritually, financially?  Have you been applying the knowledge you learned in life to improve your life so far?

100 years is 36,525 days (365.25 days in a year x 100 yrs). Even in today’s terms, that is a long time.  However in an earlier time, a time discussed in detail in the Bible, individuals lived much longer.  In Genesis 5:27, the Bible says, “Altogether, Methuselah lived a total of 969 years, and then he died”; Methuselah, being one of the oldest long lived men on record, if not the oldest.  Can you just imagine the type of planning that would be needed to live that long in today’s time?

Consider also, that God later in Genesis 6:3 mentions man should live to be approximately 120 years old.  Given that information, along with living a healthy lifestyle, consistently working daily at some God pleasing task and being assisted with the correct balance of pharmaceuticals it is very likely we may live close to being 100 if not longer and we should all plan accordingly.  What is your life long plan for your future?

How foolish is the thought of retiring at the age of 65 when you consider possibly living to the age of 100…much less 969.  It is true that many of us do not make it that long, but what if you do?  An article appearing on the Huffington Post website in November, 2013 at http://www.huffingtonpost.com/2013/11/21/us-life-expectancy-oecd_n_4317367.html  tells today’s story of long life and to what age men and women are living too on average, around the world.  In the USA, women average around 81 years and men around 76 years and increasing year by year.

As I write this article, I have two children that have both completed over ¼ of their 100 year life; they are still in what the life line above shows as the “Learning Years”.  I myself have completed ½ of my 100 year life and am in what the life line above refers to as “Earning Years”.  Both my parents have almost completed ¾’s of their 100 year life and are just entering their “Yearning Years” phase.  Depending to what age we actually will live too, we will move through all phases mentioned above; starting on the far left with learning, then moving right to earning, then still farther right to yearning.

In the “Learning Years” we spend much of our first 30 or so years learning; first from our parents, then from teachers and educational organizations and then on our own.  Our first 10 years of life, our first decade, is spent heavily under our parents constant care. Here our learning starts with very simple life skills and communication and then progresses as fast as our parents and educators will teach us.  In our second decade, from 10 – 20 years, we start our process of moving beyond our parents care and their education and on to others ideas and concepts.  Here we begin to have a glimpse of whom we think we may become.  Our first 20 years of life, although viewed by ourselves as our entire life at that age, is really small and somewhat insignificant when compared to whom we may really be in the world as we age.  We simply may not be aware of this yet and may not fully see our potential for many more years.  By the time we hit our next decade, the 20-30’s, we are young adults and the childishness falls away from “most” of us and the world takes a firm hold of our life.  Many of us are still learning…learning about the opposite sex, serious dating, marriage, owning a home, having children and raising a family, a full time job or career, sharing and balancing our finances and how to handle our many responsibilities;  but still learning.

This learning phase is very important.  An education comes from many areas and not only from schools.  In today’s time, we can literally learn almost anything we would like and have the aptitude for.  The knowledge we learn is important, but applying what we learn is more important and persistence in applying what we learn more important still.  Many of us have failed to learn why we learn in the first place and then how to apply what we did learn.  Failing to apply what we learn, not applying discipline in our lives and not finishing something once we start it will have major impacts as we age and move through the upcoming decades of our 100 year life.  To live a successful life, we simply must have the discipline to apply what we learn and be persistent on obtaining those life goals that matter to us.

Sitting down and constructing a life plan at this point in your life will be very helpful to you and your future.  Continuously working on a life plan from year to year with professionals throughout your life after the age of 25 or so can help you have an even more successful impact.  A life plan and use of professional coaches will help you apply what you learned and provide a more disciplined structure for staying focused as well as persisting when things get difficult.  A disciplined focus and attention to what matters most will help you with your relationships, assist you in building a retirement nest egg and provide balance in all other areas of your life (spiritually, mentally, physically, emotionally), while creating positive memories and joy in your life.

I look at the 100 life line and see where I was 25 years ago (where my children are now – learning) and where I may be 25 years in the future (where my parents are now – yearning) and ponder how best to advise my children, learn from my parents and continue to apply what I have learned so far in my own life.

Are you applying what you have learned to improve your own life?  Are you learning from your parent’s successes and mistakes?  Are you still advising your children on suggested paths they can take, or not take?

Next week we continue this three part series, Living “The Life” of 100 years with part two, “Earning Years”.

 

Gary J Kiecker

LifeLongU™

 

Filter Your Senses

Filter Your Senses At An Early Age

How many times a day are your five main senses engaged with an offensive attack on your beliefs or convictions?  What have you seen today where the image has left a negative or damaging impression in your mind?  What touched you today that made your skin crawl?  What sounds have you heard that really are noise and have caused you to lose focus, distracted you from what matters in life?  Have you smelled or tasted anything that made your stomach turn or simply made you sick? Our five senses are being overly engaged to get our attention…what can we do about it if we don’t want to give our attention?

Our presence in today’s “civilized” world is full of life, some of it good, and some of it not so good.  In fact, some of it is bad, really bad.  As a person that holds themselves to a higher standard, we should try to filter out as much as we can of the things that try to draw us away from our beliefs and convictions.  If we continue to allow ourselves, our five senses, to be subjected to a barrage of stimuli that goes against our belief system, we will in time become desensitized.  Our convictions will slowly erode and we will find what once bothered us no longer is as much of an issue today.  Is this a good thing?

Our belief system is what it is…we are all somewhat of a product of our upbringing and those surroundings we grew up in.  We were all imprinted, first by God, as a cherished innocent new born.  Next our surroundings, as a child, start to overwrite our original imprint changing it to one of a “go along, to get along” mentality.  Our surroundings, those things that imprint on us daily, blend us all together into groupings of like minded individuals.  Some groups are very very large, in fact, in the hundreds of millions.  As we “mature”, we become a collection of all that we have learned (whether we wanted to learn it or not) and all that we have come into contact with.  Maybe positive, maybe negative; maybe good, maybe bad, but all contact has left some sort of an imprint on us, through one of our senses.    

In any case, a life filter is very necessary at a young age.  What we allow our children to come into contact with today, will imprint on them and make them part of who they will be tomorrow and in the near distant future.  Likewise, what we as adults subject ourselves to daily also has an impact on us.  Just look at how both men and woman treat each other today.  Also, how men treat other men and how women treat other women.  Compare that to several hundred years ago.  And make no mistake; the past was not perfect either.  But our surroundings today have imprinted on us in ways that make our lives much more challenging than they were at one time in the not so distant past. 

So what are we to do? One suggestion would be for you to place more filters on your life and on the lives of you children and loved ones.  Put some restrictions on what can be seen, heard, touched, tasted and smelled.  Just because others do it does not make it okay to do or mean you will not be harmed in some way.   Be a leader, not a follower!

If you are uncertain of your beliefs and maybe unsure that your upbringing or child surroundings where not all they should have been.  I would suggest you take a Bible and read…there is no other instruction on earth that will re-imprint in your heart, mind, body and soul what is right and wrong in your life.  Further, since the Bible is a very large book and our lack of filters in our life may cause us to seek a fast path to success… I would suggest you start with the book of Proverbs (Old Testament), and then move to 1st & 2nd Corinthians (New Testament), then read Matthew, Mark, Luke or John (New Testament).  After that, go back and start with Genesis (Old Testament) and really start from the beginning and read it all to the end.

Why should you read these first…because they will provide proper guidance for applying filters in your life right away, (Although the entire Bible is a must read).

Proverbs was written by King Solomon, said to be one of the wisest men who ever lived and tells us how we should focus and live our lives. 

1st & 2nd Corinthians was written by Paul, who in spite of his surroundings and past life imprints, made a major change in his life (with the help of God) and also provides us guidance on how to live. 

Matthew, Mark, Luke & John all tell the story of Jesus Christ and include many of Jesus’ actual teachings and lessons on what we should believe and how to live our life.  Who better to listen to than the Son of God!

Genesis, where the greatest story ever told, all begins; written by Moses and who if you recall, received the 10 commandments by God, himself.

Control whom you become by filtering the impact your surroundings have on your senses.  You may gain better control of the path you choose and it also may be far less complicated moving forward.

 

Gary J Kiecker

LifeLongU™

 

 

How Can Life Coaching Really Help Me?

LLU Coaching

How Can Life Coaching Really Help Me?

One of my favorite definitions of the word insanity is “to continue doing the same thing, yet expecting different results”.  That little definition says volumes to me, and should to each of us.  Just think about that word and apply it to your Life Long Plan…ohhh, that’s right, you don’t have one.  Well, how insane is it for you to dream of things you want to do, places you want to visit, changes you want to make in your life or a person you want to become and then get up each morning and go off to work and expect that somehow, your dreams will get accomplished.  Without a plan, without taking any action and without the help of someone getting you started in a direction, any positive direction and then help you stay the course.  Is that not insanity?

How insane is it to try to live a life without “ANY” type of planning?  How insane is it to figure things out all by yourself and not use a coach to show us how to develop a plan for our life and then help us accomplish it?   Life coaches are here for all of us to use and more and more are coming online every day.  Make sure to explore on how you can get started with a life plan and find a coach that will help you stay on course, accomplish your goals and live more of your dreams.

Really, we should not be asking how can life coaching help me, we should be more concerned about, what will happen to me without any life coaching?  Without a Life Plan?

www.LifeLongU.com has developed a nice get started pack called “Self Discovery” and it will help you learn more about yourself and should get you really thinking.  Give it a try, …this could be the first action step in your life plan…don’t just get up and go to another day of work…take some action!

It’s your life, make sure you live it!!!

 

 

 

 

 

LifeLongU™ Balance Chart

The LifeLongU™ balance chart…

… shows us how difficult life balance really is.  Charting your course living your dreams becomes easier once you focus on your known life’s purpose.  Once you identify opportunities to add value toward achieving your dreams and desires, resourcefully using all your resources to Feel, See, Know, Do, Have and Be while maintaining a proper balance in the six life categories of Career, Financial, Spiritual, Relationships, Leisure and Philanthropy.  All this can be done effectively if you chart your course and use others to assist you.  The others we speak of consist of Coaches, Mentors, Educators, Trainers, Motivational and Accountability people.  They all will help provide guidance at different levels during your journey.

LifeLongU Balance Chart

LifeLongU™ Balance Chart

We may often feel we are wearing many hats, juggling many balls or being pulled in many directions.  Because of this, we may find it difficult to focus on what “WE” may want from our lives.  We get caught up in the moments that our obligations and life events place on our time, leaving us feel drained.  Learning to focus some of your personal time on your desired passions and dream and working with like mined individuals on a consistent basis will help you get into life balance and start accomplishing your dreams.  It does take some planning,  some discipline and some help from others to move ahead and obtain most goals and dreams…don’t be afraid to step out and challenge yourself.   I always have told my own children that when given a difficult choice to make, 95% of the time, the tougher path is the one that they should choose.  That path will teach them, strengthen them and make them reach,  even if their goal is not achieved a 100%.


 

Wheel Helm for Life Long Balance!

Wheel Helm for Life Long Balance…

LifeLongU™ presents its new Wheel Helm to provide Life direction in Mind, Body & Soul; to more easily navigate our “Life Categories” of Career, Financial, Spiritual, Relationships, Leisure & Philanthropy; to help us focus on what we want to Feel, See, Know, Do, Have and Be…

 “Chart your course, Live your dreams”

Wheel_Helm_with_Blood_Red_Life_RGB_187_-_10_-_30_v2