Is Your Money Sub-Optimized – 6 Methods To Making The Most Of Your Money & Life.

Originally posted on Random Thoughts of a Money Muse:

“I think we’re doing the right things with money but we feel sub-optimized.”

money burning

Twenty-four years guiding others through financial challenges, thousands of words, and oddly I experienced personal angst over this one -“sub-optimized.”

It’s rare the word arises, if at all. There was something about it that captured my ear and mind. I wondered about the obstacles that create what I call “dollar drag,” whereby the highest and best use of our money is overlooked or ignored.

Sub-optimization is an equal opportunity offender. We all are afflicted, even if our track record of handling money is better than average. There can be great intentions, even respectable core money habits and yet sub-optimization thrives because we’re human.

As in the case of this forty-something couple: Six-figure wage earners, ambitious savers who set aside 20% of income for retirement, well-funded 529 plans for young children and saddled with dangerous credit card debt…

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Stop Thinking Now – 3 Ways to Shut Down and Live Again.

Originally posted on Random Thoughts of a Money Muse:

“Death is a stripping away of all that is not you. The secret of life is to “die before you die” — and find that there is no death,” Eckert Tolle.

Reliving the past is draining. After I recall memories of the past to write a blog in my present, I can feel brain cells dying. I can sleep for two hours. The world loses color like I’m living in a black & white movie. Everything becomes one dimensional. The spirit and gift of the present-gone.

Focusing on the future and where you want to be is exhausting. And then when the future becomes the present you can’t enjoy it and you’re edgy-ready to focus on the future again. It’s the fucking hamster wheel of our nature but then sooner or later the hamster dies and the mate in your Habitrail feeds off your carcass.

It’s time for you to live in the present. Shake off the…

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God Knows Where You Belong (Even When You Don’t).

Richard Rosso:

Every year, it was an adventure I looked forward to. A chance to escape the urban filth, the smell of incinerated used Kotex pads, the endless mounds of dog shit. A daddy/son adventure.

To upstate New York.

Originally posted on Random Thoughts of a Money Muse:

September 1970: “Shut the fuck up back there!”

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It was a cavernous black-on-black metal beast out of Detroit. A 1969 Cadillac Convertible with slick leather seats. With each turn, lane change, interchange between brake and acceleration, my little body was slung from side to side in the backseat (we weren’t fans of seatbelts back then) like an amusement ride just for me.

Every year, it was an adventure I looked forward to. A chance to escape the urban filth, the smell of incinerated used Kotex pads, the endless mounds of dog shit. A daddy/son adventure.

To upstate New York.

Where trees survived in packs and the air smelled sweet. The Catskills, specifically. The plan was always the same: First, the Catskill Game Farm (now gone), then Carson City (gone too), and last, a small retail establishment named “Roy’s,” which only sold stuffed animals.

Hundreds of them. I’ll never forget behind the front plate-glass window sat…

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A Folded Cardboard Holiday. Four Ways to Stay Alive at Christmas.

Richard Rosso:

Christmas reminds me how relationships, like antique glass ornaments, can easily shatter. Shiny one day, swept up in the Dyson the next. As if the sparkle never existed. Unfixable.

Originally posted on Random Thoughts of a Money Muse:

I dislike Christmas. Not in a funny, green “Grinchy,” way either.

grumpy christmas

The holiday has clearly lost some of its sparkle for me, especially now, as cherished people I believed would be around for longer than a memory, decided to bail quickly from my inner wonderland. Clean gone. Like the three wise men who get misdirected by Apple Maps to the birthplace of Cee Lo Green instead of the second coming of you-know-who.

The problem with Christmas is it stirs ancient thoughts and the mental bias of anchoring. I dare you to gaze at a tree ornament you’ve unpacked this year, every year over the last ten and not recall “the moment.”  A vivid memory of  how you felt when you received it, who gave it to you, where you bought it. The weather that day you hung it from your fake Christmas tree. The eye color, hair color, smell, of the person who bought the cheap holiday trinket for…

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Lessons from a Fleabag Hotel. Fight the Yellow Sticky.

Richard Rosso:

We all have a place where stains originate. Time fades the imprints others leave, but the stain remains.

Originally posted on Random Thoughts of a Money Muse:

The smell of urine, semen and god knows what else (like there’s anything worse) filled my nose 3 stations before the train stopped at ground zero.

I could taste sour things way before.  The foulness overtook me. Absorbed in my clothes. I was paranoid about an air-born disease festerering in my liver.

The hollow of a play land called Coney Island-long deteriorated, burned out, rusted, ignored, graffiti ridden, was home to the Terminal Hotel.

Coney Island. Also home to the background for apocalyptic movies.

Only “The Warriors,” are not afraid of hanging around Coney Island.

The Terminal – It thrived, heaved in and out like an Amityville horror house but not as pretty. It was an evil presence that swallowed you whole. A landmark, a beacon, to the hopeless built right across from the elevated train line. There were no ghosts. Ghosts were too smart to linger.

The scary residents long or short…

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When Organs Go Wrong – 5 Ways to Get Them Right Again.

Originally posted on Random Thoughts of a Money Muse:

I stare at red life fluid in the toilet these days. Not a comforting condition.

The act of urination is a vice grip on what remains of a right kidney.

As I contemplate how I got here – One day you’re healthy, the next you’re compromised,  I begin to understand how the deepest fears, sorrows, insecurities can manifest themselves until a part inside your body breaks. An organ goes wrong.

I hold a new respect for the power of the mind to target internals for disposal.

For me  the mental triggers were (are) a relentless former employer attempting to break me financially, a broken friendship, and a breaking new business venture all hitting at once.

Lots of breaking. Broken.

An e-mail arrived.

In the early morning. The day of my surgery.

The Metaphysical Functionality of the Kidneys.

How timely.

Several eye-openers for me. Was it a coincidence that I received…

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What Are Your Shackles? Understand the Ties that Bind.

Originally posted on Random Thoughts of a Money Muse:

1974: Coney Island Hospital, Brooklyn New York. 1AM.

Your father wants to see you, he’s really hurting,” the man in the white coat said.

“He’s not my father. He tried to kill me tonight.”

“Now, there’s no reason to be ashamed, he has a problem.”

“Yes, he’s an addict who has bad aim with big kitchen knives.” Bob just missed my sleeping face and there was a pillow at home with a chef’s knife still sticking out of it to prove it.  I craved to stick it in a doctor that night.

“Your mother even says you’re the son.”

“My mother is nuts, too.”

I never witnessed anyone in real life in a straitjacket before. I didn’t believe there were such things as real padded rooms either, except for what I saw on on Looney Tunes cartoons. I loved what happened on my tiny black and white TV screen because it…

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