What If “I’ll Figure It Out” Is the Risk?
There’s a phrase almost every capable person has used: “I’ll figure it out.”
Usually, that confidence is justified. You’ve solved difficult problems before. You’ve adapted when plans changed. You’ve handled responsibilities other people might have found overwhelming. So why wouldn’t you figure out whatever comes next?
The problem isn’t your ability. It’s the circumstances under which you may someday be asked to use it.
There is a big difference between considering a difficult question today and trying to answer it while a crisis is unfolding. Imagine holding a coin at arm’s length. You can see the coin, but you can also see everything around it. Move that same coin directly over your eye and your perspective changes. The coin hasn’t become larger, but suddenly it blocks almost everything else.
A caregiving crisis can do that. So can an unexpected health change, a financial disruption, or a family fallout. The closer the problem gets, the harder it can become to see alternatives. That’s precisely when “we’ll figure it out” reveals itself as hollow avoidance..
Community can help while the coin is still at arm’s length. Someone who has cared for a parent might raise a question you haven’t considered. Someone further along in retirement may tell you what she wishes her family had discussed sooner. A conversation may reveal an option you didn’t know existed.
None of this predicts what will happen to you. That’s not the point. Preparation isn’t an attempt to write the future in advance. It is an opportunity to consider possibilities while you still have the time, emotional distance, and freedom to choose among them.
Maybe you’ll never need half of what you considered. Wonderful. Preparation wasn’t wasted. You simply entered your next season knowing you had done what you reasonably could.
One key insight: The risk isn’t that you won’t be capable of figuring things out. The risk is waiting until pressure makes your remaining options harder to see.
One memorable takeaway: Figure out what you can while the coin is still at arm’s length.
Discover why preparation begins with community.
AI Disclosure
I use AI for DRAFTING messages and articles. Some drafts require little editing on my part; others I trash and rewrite. I wrote with em-dashes (—) long before AI turned them into telltale “I smell AI.” Now I find myself avoiding the em-dash even if I naturally would've used it. It’s the world we live in. Regardless, what you read does reflect my Point of View.
HOMESCHOOLING: Haven or Havoc?
Your child's school years are precious and fleeting.
Now could be your best time to step up where your school is letting your child down. Let this series of myth-busting short chapters encourage you.
2 Major Mistakes
Which one will you make?
Which of these 2 retirement mistakes are you making right now? It's impossible to entirely avoid both mistakes.
You won't know for sure which mistake will work out better for you until it's too late.
How to choose?
Finding the Will
(Part 1)
Part 1: Have the will to arrange for a smooth transition when you’re no longer around to answer questions
Have the will to arrange for a smooth transition when you’re no longer around to answer questions (Part 1)
Ensuring your children or other Loved Ones can readily access your important papers when you die entails a sound process versus one or two conversations. You must overcome aversion to the subject of death, procrastination of anything that is long-term, and the tendency to assume things will be fine. Family dynamics can be sweet, spicy, or dicey.
Finding the Will
(Part 2)
Part 2: Getting Organized
While the internet permits convenient access to accounts, policies, and stored documents, it presents a plethora of password management problems. which too many people avoid by succumbing to password laziness, such as:
- re-using passwords for multiple logins, or
- use simple, easy to remember passwords, or
- writing them on sticky notes placed on their monitor or under their keyboard, or
- keeping them in a spreadsheet on their computer, or
- letting their browser remember passwords for them
Embrace Your Clarence
Is Clarence your future?
Golden insight from a golden retriever.
Post-Pandemic W.E.L.L.ness
Working, Earning, Learning, and Launching to Thrive
Where life drastically changed forever two years ago, everyone adjusted to the best of their abilities.
Here are a few of the key adjustments--"pandemic pivots"--that sustained some and prospered others.
Prenuptial Adulting
Equip Them for Happily Ever After
“Mom, Dad, we’re getting married!"
“Wonderful, congratulations! Here’s what you both need to do first.”
Equipping newlyweds with essentials of responsibility leaves plenty of life yet to be discovered on their own. Adults understand that love isn’t oogly feelings; it’s a hard choice. It’s putting your commitments and your money where your mouth is.
Many of the following steps also apply to one’s turning 18 years old. Becoming engaged adds urgency and a deadline.
Rethinking Competing Funds for College and Retirement
We live in a time of skyrocketing inflation topping decades of unbridled higher education costs.
Is the tension between funding your retirement and funding (at least partially) your children’s college education keeping you up at night?
You’re not alone.
Married? Is Your Endgame 100% or Just 50%?
Are you single? That other 50% could be whoever is most important to you.
Multiple unforgiving players factor into your retirement and estate plans (collectively your “endgame”). Household names include the Internal Revenue Service, the Social Security Administration, and the Center for Medicare and Medicaid Services. Key decisions with these players are nearly impossible to reverse. Plus, if you qualify for a pension, how you activate it is another irreversible decision.
Are you more of a planner than your spouse? It’s all too common for one spouse to blindly trust the planning spouse. Countless endgame “plans” were created by 50% of a couple:
