Is it hard to change a dog? No. The most difficult thing is to change the human. Why? Because the human, in order for him to change, he have to be willing to take responsibility that something needs to be changed. And humans are a species that fights transformation the most. Because we don’t want to put in the effort. It takes work to change bad habits. Most people have bad habits. So, what are they going to teach a dog? Bad habits. — Cesar Millan, “The Dog Whisperer”
It’s amazing to me how much that applies to all areas of life… not just dog psychology.
It doesn’t matter what area of life you’re talking about.
And not just ANY behavior… VALUE-driven behavior.
Getting a good return on your dinero is easy. A non-customized, plain-Jane, high cash value whole life insurance policy has returned a net of well over 6% tax-free over the last 36 years. And… that return came without any real risk at all…
That’s a pretax, pre-fee, return of about 8%-10% on cash value… and that doesn’t include the death benefit.
… the type of returns the geew-roos are always yammering on about in regards to the stock market.
Now… will it continue to do that well in the future? I have no idea and neither does anyone else.
But that doesn’t matter.
Here’s what does:
Habits and behaviors.
An awful lot of folks say they want one thing, but then do another.
And… unfortunately… what we’re told is some variant of “you can’t fight your biology.” That humans are destined to be a certain way (lazy) and that’s it.
Reality is, everyone has a choice.
Eat a steady diet of pizza and ice cream or eat meat and veggies?
Walk every day for several miles or just to the fridge?
Lift weights or press the buttons on the Tee-Vee clicker?
Save more or spend more?
Borrow from your savings and repay with interest or cheat yourself out of a future?
Define (and pursue) your highest, most important, values in life (to the exclusion of everything else) or meander through life, wasting time and money on everything and anything (AKA an “open mind” vs an “active mind”)?
By the way, if you want to grow your savings year-in-and-year-out without taking crazy risks, then my services *might* be for you.