A Job (continued)

Ok, you have a job, that’s good! The problem is, you are paid just enough to get by, and stay working, but not enough to ever really get ahead, especially when the cost of living keeps increasing, and wages do not. I’ve always liked the description I once heard for a job, and what the letters stood for: J.O.B.=Just Over Broke! Isn’t that the truth?!

What Does My Future Look Like?

Being realistic, if you “step back”, and look around where you work and see all of the “career people” who have been at it for 10, 20 or more years longer than you have; where are they financially? Most workers, after working for 40 years, will retire at 65 with an income that is around 60%, or less of what they are making now. According to the U.S. Census Bureau, the average worker in the U. S. will have 11 different jobs, in up to 5 different careers during their lives.

After 40 years of working, at age 65:

1% are wealthy;

62% have less than $6000 annual income;

79% have total assets of less than $15,000 (including homes!);

80% have annual incomes less than $15,000

These income amounts include Social Security!

In other words, anyone who spends their whole life working at a regular job, trying to build their financial health and wellness, will not only be penalized for working for their whole lives, but they will also take a cut in pay when they finally do retire.

They will have to figure out exactly how they are going to survive on less every month, especially with everything going up…..but their wages. Ask someone you know who is in the “golden years” of their life, and facing retirement, what they are looking forward to.

So much for the travel plans (heck, they probably won’t have very good health anyway), so much for the leisurely, relaxed way of life after donating the absolute best years of their lives to their employer.

Welcome To Walmart?

Most people who are forced to retire because of their age start looking at places like Wal-Mart, where they can work as a greeter or cashier, well, with 78 million baby boomers, turning 55 at the rate of 10,000 or so a day, there just may be a glut of greeters. Even that area will probably change as technology changes. When there are too many workers, what do you think a result may be? Yep, you’re right, lower wages!

"It's Not Personal, It's Just Business!"

You have to realize that these corporations like Wal-Mart™, Costco™, Home Depot™ and others are not “benevolent” warm fuzzy organizations, they are hard core businesses, and if their bottom line profits are threatened by too many costs, such as labor, they will look for alternatives. For example, Wal-Mart™ “exported” its labor costs to places like China and Mexico, not because they wanted to help the other countries, and not because they don’t like American workers. It is simply to save money on manufacturing costs, have products assembled in other countries for cheaper labor costs, then mark the goods up, import them back into the U. S., charge us more so that they can make a profit. And we lose the jobs. Wal-Mart™ has 200 million customers EACH WEEK worldwide!

It makes one wonder exactly where the companies loyalties lie. Actually, it's pretty obvious, it is not about us, it's about the money that can be made from us, and how much of it they can keep.

It's Like A Really Bad Movie

Do you see something drastically WRONG with this picture!! The American dream is turning into a nightmare for the majority of devoted American workers who are working hard and looking forward to a relaxing retirement. It is an uneven playing field that is becoming more and more difficlut for the average hard worker to play on.

"I'll Just Work Hard And Be The Boss!"

Even if you are in the middle of your “work career”, the long range issues are the same. Maybe You can, work really hard at your job and move into upper management, where you will have a higher salary, but there are trade-offs, the biggest one being that you will work even more hours than you are now. I always liked a quote from the poet Robert Frost:

“By working faithfully 8 hours a day, you may eventually get to be a boss, and work 12 hours a day!”

You Have One Life

One of the “unrealities” that most people are unwilling to even think about is that you have one life, a certain number of years, months, weeks, hours and minutes. A good part of this time is spent sleeping, and working, and “spent” is the right word. When you have “spent” all of the money in your bank account, you are broke. It is the same with your time, and more importantly, your health and wellness.

By the time you retire from a regular job, you are pretty much worn out, and then depressed because the investment that you carefully made over the years, was just wiped out by one of the Enron types of operations. You just lost your financial plus for the years where you were supposed to be able to finally relax. You may think that I am being pretty negative, but the truth is, this has happened to hundreds of thousands of hard working people who have lost everything….and there is no one to bail them out.

Retaining your health and wellness, and increasing your financial health and wellness are critical throughout your whole life, especially as you are aging.

It is my goal that our site will help you in both of those areas.

What's Next?

So, what are some of the other alternatives out there right now? There are actually several paths a person can take to start creating their own future.

Return to Financial Health And Wellness for more information.

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