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Learn more about your future and Social Security by doing a search for retirement benefits.

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When I purchased my first home The average home price was around $20,000. For one million dollars one could easily purchase 50 median priced homes. Today the average price is many dollars more per home. For one million dollars today one can purchase only 2 to 4 median priced homes.  How far do you think yesterdays retirement funds will go today?

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An Old Geezer Speaks

How many times have you found yourself being bored half to death by some old geezer telling you how bad things were when he was your age? You know the stories I’m talking about.

When I was your age, I had to walk 10 miles barefoot in the snow just to get to school. And it was uphill both ways.

When I was your age no one bought me a car. I was lucky to even have a bicycle.

Ahh, starting to sound familiar, isn’t it. Well, how about , I had to get a job and earn my own money when I was only three years old. I heard that one too.

Yea, you’ve heard them all before. I heard them all too when I was a kid. Well, guess what, I’m not a kid anymore, now I’m that old geezer and you are about to hear it again. This time you are not going to hear how deep the snow was or how underfed we were.

This time I would like your attention on another subject. This time lets talk about MONEY. That is always a nice subject. I like to talk about money, don’t you?

 

Actually I don’t really want to discuss money as in the making of it, but more as in what you do with it.

Ok, here it comes again. When I was your age (wait a minute, It isn’t what you think.) I was about to say, when I was young I was also foolish. Very foolish.

I thought what money I earned was there to spend. I often even spent more than I earned. And of course, that was not a good way to go. It only put me into debt and pointed me toward the poor house.

Many times I had to use my entire paycheck to pay for gas I had charged at a local grocery store. (Back then a small Mom and Pop grocery sold everything from food and milk to gas and oil.)
After paying my gas bill there was nothing left for me. I had to borrow if I wanted or needed anything. And again I had to charge my gas for the next pay period.

Managing my money was not something I was very knowledgeable about . That is what I’m here to talk about today.

How are you doing with your money? Are you handling it wisely? Are you managing to save any of it for that rainy day everybody talks about? I know it is hard to save. Most people don’t manage to save even a couple hundred dollars each year.

It is tough, too many things we need. Too many things we THINK we need. Before we know it the money is all gone and we don’t even know what we spent it on.

Ok, here it comes again. When I was your age..... we didn’t have the opportunities that are available today. There was no 401K PROGRAM, no IRA’s or KEOGH’s.

There was not a lot of ways to plan for a decent retirement. If you stayed on the job for 20 years you might have some kind of Company pension to help cover those years of retirement. That is, if you reached retirement.

I stayed on one job long enough to become vested in the pension plan and it sure was nothing to brag about. And it definitely wasn’t a lot of help.
 
My pension vestment only required 10 years for full vestment. What that amounted to was $10 a month for every year of vestment. I was there for 14 years and my total was $140.00 per month.

At the rate gasoline costs are rising I can’t be sure that amount will even fill my tank in the near future. And that is what I want to discuss with you today.

What does your future look like? Have you covered all the bases? Well, do you know where the bases are? Is retirement too far away for you to even think about right now?

I know, I was young once too. And like a lot of other people I thought I could worry about things like retirement at a later date. I didn’t have many options anyway.

The only opportunities I had was Social Security and what few pennies I might be able to put into a savings account. If I got a job and stayed there for 30 or 40 years I could build a pension which would be a supplement to the Social Security.

Well, thats exactly what I did. I put it aside for something to think about another day. I relied on a possible pension and a possible social security check.

By the time I was able to get my little brain thinking in the right direction, the direction of my future, I had dug myself into a pretty deep hole of debt. On top of that I now had a wife and kids who were always in need of something.

It seemed as though saving was now even farther away than ever. I had piddled my years away without a single credible thought of what I would do when my golden years finally got here.
 

Well, guess what! Those Golden Year did finally get here. And for the life of me I just couldn’t find anything golden about them. The only thing I found different was the fact that I no longer had to set the alarm clock.

I didn’t have to get up early in the morning and report to work.

There was not going to be a lot of travel to far away places. On Social Security and my little pension I would be lucky to travel to the edge of town.

There would be no dining and dancing in fancy restaurants. On my retirement I could pretty much count on Pork-n-beans and Hot Dogs.

No, I hadn’t prepared for any kind of future. I failed to take care of business at a time that it would benefit me. That is what this old geezer is talking about.
Start making things happen now to cover yourself when you become an old geezer. Even if it hurts a little put some of your earnings aside in some kind of interest bearing program.


If you start a program now by the time you are my age (the old geezer age) you could build a retirement fund that could be in the millions of dollars.
 

Don’t do as I have done. Don’t waste a lot of your retirement earning days on your present time. Grab the brass ring. It is there for you if you know where.

A good place to start working on your retirement ( early retirement ) is right here. Just click on the FREE Super Tips link below.

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