#change #gettingunstuck #changehappensquickly
A few decades ago, change came slowly to the world.
It evolved over time. Chances are, people could ride out the evolution without having to worry much about the change when it came. They believed they would be long gone from it.
Today, change happens quickly. Just when you think you will be set for life – or for at least as long as you want to be – boom! Your very secure job is gone! Life as you knew it will never be again.
But with frequent and sudden change comes opportunity, as well as hardship.
George and Sedena Cappannelli discuss all of this in their book, “Getting Unstuck: 10 Simple Secrets to Embracing Change and Celebrating Your Life.”
The authors talk about how many of us were taught by our parents to look for security, to gravitate to what was “safe,” and to pay little or no attention to those who would encourage us to take risks.
You see, our parents lived in a world in which change evolved slowly. The tried and true was constant. You earned a living, instead of fulfilling your dreams.
Today, change is frequent and quick. One must adapt constantly. It’s more challenging for us, yet we have more opportunity to fulfill our dreams, rather than to just make a living.
How do we fulfill our dreams when our supposed security blanket is pulled from underneath us?
First, we need to presume that there is no such thing as a security blanket. We can’t, for example, look at a job, or even a career, as something long-lasting. We live in a world now in which change is so constant, tomorrow there could be a new way to do what you do.
So, learn skills and get experience. Keep thinking of new ways to use your skills, whether in a particular job, or on your own. Remember, always, that the day will come – and you don’t know when – in which you could be literally on your own. When that comes, it won’t matter how good you were at your job, or how valuable you believed you were to your company.
The Cappannellis also talk about how security blankets inhibit dreams. Did your (pick one: parents, teachers, preachers) ever tell you to stop dreaming and get real? Well, you got “real” and suddenly, you’re alone. Reality has slapped you in the face. With that lesson learned, go ahead and dream again.
How do you make dreams come true when, you believe, you have lost your method of making a living? There are many ways out there not only to dream, but to make dreams come true. For one of the best, visit www.bign.com/pbilodeau. You’ll see how other people, just like you and your friends, got real, got slapped and made their dreams come true.
OK, perhaps you have no reason to throw away what you have. Great. Keep it. Just don’t presume it will never go away, or that you can have it for as long as you want it.
When you are not doing your “real” thing, what are you thinking about? If you think about a life in paradise, or a life of service – free from the need to make a living – it’s OK to dream. You can get that life. Just have your Plan B in place so that when reality slaps, you can smile.
Peter
Tag Archives: jobs
HOW WILL YOU RETIRE WITHOUT AN IRA, 401(K)?
#ira #401(k), #retirement #savings
The share of American families that have IRAs or 401(k) retirement plans has spiraled down in the past decade, while the amount of assets in the accounts of people who have them has been climbing during that time.
So reported Tim Grant of the Pittsburgh Post-Gazette, quoting the Washington, D.C., based Employee Benefit Research Institute. It reported that the percentage of all families with an individual retirement plan, such as an IRA or 401(k), decreased from 52.8 percent in 2001 to 48.2 percent in 2013.
“For many families, individual account retirement plan savings constitute most of whatever financial assets they have,” Grant quotes Craig Copeland, senior research associate at EBRI.
The bevy of concerns these numbers produce is staggering. What will happen to fewer than 50 percent of the 76 million Baby Boomers, who for the next 18 years will be turning 65 at a rate of 8,000 a day? Grant quotes Thomas Mackell, former chairman of the Federal Reserve Bank in Richmond, Va., who believes many people are unable to save for long-term financial needs because U.S. wages have gone down, not up.
Yet, Grant quotes Mackell, those who have had the ability to save for retirement have benefited from a rising stock market.
Certainly, during the recent Great Recession, many have tapped into their retirement plans early, just to survive. But, they will pay a potentially huge price for that decision down the road.
When one is in middle age and loses a job, and can’t readily find another – or at least one that pays as well as the one he lost – he can feel very desperate. Not only has he lost current income, he potentially has lost the pension he was counting on. Social Security alone isn’t going to provide anyone with a good retirement.
If you are feeling desperate and are tempted to liquidate your retirement savings, stop! Get some financial counseling. Find a way to get through your rough times without sacrificing your future.
Remember, people are living longer. Retirement periods are lasting longer. Don’t let your money run out before you die.
Fortunately, for as many concerns about retirement savings that the ERBI numbers raise, there are many solutions as well. There are many ways to make a potentially great income that have nothing to do with traditional employment. For one of the best, visit www.bign.com/pbilodeau.
Not every income solution is for everyone, so examine them with care. But don’t shy away from looking if you believe you have to dip into your retirement savings early.
If you are young, start an IRA or 401(k) immediately. If you can, contribute the maximum amount you are allowed to. It wouldn’t hurt to check out other income streams, too, because even if you have a great job now, don’t expect it to be there for your lifetime.
Most of all, as we plunge headlong into the holiday season, first and foremost, be grateful for the good things you have in your life. If you are having financial issues, don’t hesitate to ask for – and look for — help. Don’t do anything rash with your money. Think not only about today, but the many years you potentially have left to live.
It’s not good to solving a financial problem today by messing up your financial future. The “help” you thought you were going to get in your elder years may not be there when you need it. YOU have to act, and the sooner, the better.
Live as well as you can for as long as you can. Remember, everything in life is about your choices. Choose wisely.
Peter
CHEAPER GASOLINE PUMPS ALL OF US UP
#cheapoil #OPEC #gasprices
The elements of an improving economy may not be obvious to everyone.
But the shrinking price of gasoline certainly is.
In fact, gasoline is as cheap as it has been in many years.
Why is it so cheap and how long are these prices expected to last?
On Thanksgiving Day 2014, OPEC (the Organization of Petroleum Exporting Countries) decided not to cut crude oil production to raise prices.
On top of that, the United States, Canada and other regions are producing more oil, according to an article by Rick Jervis for USA Today. His article appeared in the Tennessean newspaper in Nashville Nov. 23, 2014, prior to the OPEC meeting on Thanksgiving.
Jervis’ article pointed out that while OPEC could still influence the oil market, it doesn’t have as much clout as it did years ago. In fact, a decision by OPEC – whatever that was – would have made the front page of every U.S. newspaper years ago. On Friday, newspapers ran the story but most ran it on the inside, or on the front of the business section.
Sure, we are loving paying less at the pump. It’s real money going back into our pockets. Still, the oil industry doesn’t like these low prices. OPEC was between a rock and a hard spot. If it cut production to raise prices, it would encourage more oil exploration in the United States and elsewhere. Getting oil out of the shale and tar sands of North Dakota and Texas, though it has been a blessing for us consumers, is still more expensive than getting it out of the deserts of the Middle East.
The lower prices are discouraging more exploration here and, as Jervis’ article pointed out, OPEC was keenly aware of that. The oil industry is not in business to give us cheap gasoline, though that has been the result of alternative oil sourcing.
Another big bonus for the United States is that it is not so reliant on countries who may not like us much. Though any new skirmish in the Middle East could send oil prices soaring again, it would also encourage more exploration here.
Also, we are using less oil and gasoline here. Vehicles are more fuel efficient. Many vehicles are only partially fueled by gasoline. Some vehicles are not fueled at all by gasoline. Less demand keeps prices down.
And, as The New York Times recently reported, alternative fuels, such as wind and solar power, are becoming nearly as cost-effective as coal and natural gas. That will trend well toward keeping oil and gasoline prices down.
In the last several years, many of us have been hurt by a troubled economy. We’ve been hurt so badly that we don’t see what’s good about today’s economy.
What should we do? First, put the money you are saving at the gas pump into a savings vehicle. It will take you a while to see financial recovery that way, but it would be a start.
Second, if you truly aren’t feeling the good economy, check out the many other ways there are to make money outside of a job. For one of the best, visit www.bign.com/pbilodeau. You’ll find average people making above-average incomes, and helping others do the same.
Just because you can’t see everything happening in the economy doesn’t mean they aren’t happening. The gasoline prices are obvious to all of us. The rising stock market may not be obvious to all.
The lesson for all of us is to be optimistic about the future. Don’t let the naysayers tell you we are heading for hell in a hand basket. The future looks bright. And, you can make your own future bright by taking action you may never have thought of taking. Go for it! You won’t know what there is to gain until you look for it.
Peter
DON’T WORK TOO HARD?
#workhard
We’ve all had friends who have, usually as they are leaving us, wishing us well and telling us not to work too hard.
Our parents, teachers, coaches and other mentors all tell us that hard work is required to get almost anything.
So why would our friends tell us not to work too hard?
Let’s forget for a minute work-life balance, and overwork-induced stress. Our friends don’t want us to work too hard because we might give our employers more than the employers are paying for.
Most good, conscientious people don’t want to be deliberately unproductive, or give less than they know they should. Most of them want to be as productive as they can be. Some will risk their physical and mental well-being to be so.
There’s nothing wrong with wanting to do things right, and pleasing your boss. But there should come a point at which one asks himself, who’s working for me? If I’m working for him or her, is he or she also working for me? If I am helping him or her get what HE or SHE wants, is he or she returning the favor?
Many people believe that they work for a paycheck. They get so busy doing that, they don’t even think about their own big picture. Sure, your boss might ask you in a performance review where you want to be in five years, 10 years etc. You give some pat answer, even if you KNOW you may not want to be in that place, doing what you are doing now, all those years later.
Even people who want to be doing something different in the future are so consumed by their circumstances that they not only can see no way out, but also they won’t even consider great alternatives that may be presented to them.
Those that do consider alternatives sometimes find great things that they never knew existed. To do that, one has to be willing to look. Serendipity is great when it happens, but, generally, one has to be willing to look for alternatives to find them.
If you believe your current situation needs to change, AND you are willing to see what might be out there to help you change it, visit www.bign.com/pbilodeau. Some may not find what they are looking for there, but others may find just the thing. You may also find not only that you can work hard for you, but others will work hard for YOU!
Polls show people dismayed, pessimistic and downright hostile to the future. But, when one looks at facts, rather than conjecture, he will likely find many good things out there to be had. He will also see that he can HAVE them by doing something a little different.
In short, don’t work too hard for someone else. Work hard for you! Very few others will work for you. Do what you need to do to make your situation better. Complaining requires energy that you need to do what you need to do.
You don’t have to abandon what you have, but you may need to have a different attitude about it. Good, hard workers in bad situations know that the situation is only temporary. They know that one day, what they want will be theirs.
Have a good mind-set about any task you perform. Always believe that the future not only can be bright, but you will make it so.
So, work hard, but have a reason, besides a paycheck, to do what you are doing. Take steps to get control of your future – control that no one but you can take away.
Peter
SILENT ECONOMIC IMPROVEMENTS
#economy
We hear and read that the economy is really improving.
Yet, many of us don’t see it, or feel it.
The reasons may be too numerous to mention all of them, but a few key ones are: you may have lost a good job and gotten a new one, but you are making less money. Many of us had to get back on our feet, sort of, by making less money. That is a trend. Businesses want more and better work, for less.
Here’s another: you had a house. You either lost your house in foreclosure, or you had to sell your house for less than it was worth because you lost your job. Your new job, if you’ve gotten one, pays less, but you had to take a lesser house. What gets you, too, is that some rich investor gobbled up your former house for pennies on the dollar, and is either renting it to someone else in your situation, or has resold it for more than you could have afforded to buy it back. To the investor, the economy is booming. But you don’t feel it.
A third: you were lucky to keep your job that you’ve had all these years. You’ve survived downsizings, buyouts and the like, intact. But you have not had a raise in years. Your costs, for everything, have gone up. You don’t see the boom in the economy. Yet, you are supposed to consider yourself lucky to have survived. Perhaps, it’s the new normal.
For those who already had pretty good means, the economy is improving. They are seeing the recession disappear, and their fortunes return, and even improve. But so many are left in the dust. They have been downsized, resized and even “recovered.” Yet, they may never see anything resembling the life they once had. They were good at what they did, helped their employers do well, but they were forced to find a new life with less.
You start to see signs saying employers are hiring. You check out some of them, and find that the jobs they are hiring for will hardly make you a living, or are part time. Or, perhaps, the jobs not only don’t pay well, they are incompatible with your life. There may be a shortage of truck drivers, as has been recently reported. But having a job that puts you on the road at all hours of the day and night for $50,000 a year just isn’t going to work for you. There was a time when driving a truck paid much better. Those days are gone.
We are starting to read and hear about companies hiring, shortages in certain professions and even new jobs being created. When you check them out, many of them are either beyond your qualifications or they don’t pay nearly what they should. Wages should start to rise in this situation, but they are slow to. Employers still believe there are enough desperate people out there that they can still pay less.
So, if you are not seeing the boom in the economy that many are talking about, you are not alone.
There is good news here. There are many things out there that can provide an alternative to the traditional job. And, they can pay you pretty handsomely. But, as in anything, you have to be a person who wants something badly enough to look at something different.
If you are that person, visit www.bign.com/pbilodeau, and see one of the best.
You can mope, cope and hope. Or, you can look outside what you know, get a desire to change things for yourself and take the plunge. In this new world, others will willingly help you succeed.
Some may want you to settle for less. Don’t settle. Succeed.
Peter
DO SOMETHING
I am one person. I can’t do everything. But I am me. I can do something.
Paraphrase of a T-shirt seen in an airport
#dosomething
We all gripe about the world.
Perhaps we’ve gone through some things we didn’t deserve.
Perhaps we’ve seen everything we’ve worked for disappear, through no fault of our own.
Perhaps we have an illness that we not only never expected, but feel incapable to deal with.
Our circumstances are none of our business. How we deal with them is every bit our business.
Maybe we can’t change the way the world is. But we can change the way WE are.
Perhaps we can’t fix all destruction. But we can fix what we can see and touch.
Some are bent on destroying us. But we are flexible. We keep moving.
The boss wants us gone. So we go, and make a better life.
We get sick. But we do what we need to get better.
We are told certain things are true. Yet we find some may not be.
Even the smallest deception we may try can hurt someone else big time.
We are all better than we think we are at the moment. We just have to go for it!
All you think, do and say has a consequence. Make all thoughts, deeds and words positive.
Don’t let the naysayers get you down. For there is much out there that is good and true.
If no one gives you a pat on the back, give yourself one.
Haven’t gotten a raise in years? Look for something more beneficial to you.
Having trouble finding that benefit? Visit www.bign.com/pbilodeau
The world can be a dark place. Let your attitude shine a light for you.
Perhaps you can’t change everything. But you can change.
When everything isn’t what it seems, keep digging. You may find gold.
If you dread getting up in the morning, be thankful that you still can.
The best way to get on your feet is to get off your butt. (seen on a license plate)
People and companies will do what they must do. You do what you must do.
Be the music that rocks your world when evil tries to drown you out.
Be you. Do what you know you should. Help others, so you may help yourself.
Peter
CONFIDENCE, BELIEFS AND DREAMS
“To accomplish great things, we must not only act, but also dream; not only plan, but also believe. Anatole France
#dreams
Were you raised to believe you would only go so far?
Sure, your parents didn’t want you to be too cocky. And, to go where they have gone turned out pretty well for them, didn’t you think?
Then, you go through adolescence. You start to believe you can do anything, and usually try stupid things that get you hurt, or in trouble.
You recover from adolescence and get out of high school. Perhaps you tried to “find yourself,” by traveling around looking. That didn’t really work for you, so you settled down to college, the military or a job. Then, you start to believe that your parents were right. You start to follow their tried and true path. You got through a career and life didn’t turn out so bad.
But what if you want more out of life than just a job, a career, a family and friends? All of these things can indeed make for a great life, but they may not get you everything you dream about.
Oh, your parents discouraged you from dreaming? Perhaps you were told that dreaming was what drifters did. Or, perhaps, what those rich people do. You may have been told that settling down and doing what you know, or have been taught, is the best way.
Those who really make a difference in the world are dreamers. Those who innovate are dreamers. And, they don’t just dream. They go for their dreams in a big way.
They may defy conventional wisdom. Their “friends” may laugh at them. Or, perhaps, invite them back into their lives when they come to their senses. After all, your friends may believe that if we all stay together, the rut will not be bad at all. We can all long for 5 p.m. on Fridays, weekends, vacations etc., but the rest of the time, our nose is to a grindstone that is making the boss rich.
But some of us believe we are better than that. We use a job as a springboard. We use our jobs as a way to earn immediate cash, while we work on our dreams. We learn that we can ACHIEVE what we want eventually, no matter what happens to us.
How do we change, if we’ve been taught differently? First, we have to know why we are doing something. Money for the sake of money is not what we want. We want money to do things we want to do, to give to things we feel will make the world better and to live our dreams.
So you’re abuzz in thought. You think you can’t make a lot of money doing what you’re doing now. If that’s the case, you probably need to keep your job, but develop habits like saving and investing, as opposed to spending. It may take time to get what you want, but if your dream is big enough, you’ll be patient.
But, if you are willing to do something part time that will speed up the process, visit www.bign.com/pbilodeau. Check out how other people just like you have amassed fortunes, without interfering with what they were doing at the time.
They had dreams that were powerful enough to choose a different path – for not settling for an ordinary life. You can do the same.
Once you allow yourself to dream, you can then act. You can plan, then believe. By combining your dreams, actions, plans and beliefs, you can achieve what you want.
Peter
RAZING THE IDEA OF ANNUAL RAISE
#annualraises
“Better not start spending that big raise you might be expecting this year,” says Doug Carroll, a reporter for USA Today.
For the last few years, a raise has been hard to come by. In fact, a job was not easy to come by, so one may not have expected a raise. A steady paycheck was good enough.
But Carroll, whose article was published April 27, 2014, in the Tennessean newspaper of Nashville, says eight of 10 businesses say they expect subdued wage growth in the next three years. By subdued, they mean 0 to 3 percent, adjusted for inflation, Carroll quotes a survey by the National Association for Business Economics (NABE).
We can probably hear each other thinking the same thing: our cost of living goes up, but our paychecks don’t. And, if they do, they don’t go up enough to cover those extra costs.
Let’s put this in perspective. A salary was never designed to cover OUR costs. A salary is something an employer gave a person for work he does. What’s done with the money is the worker’s decision. In decades past, a worker figured out how to make a life with his given salary, and regular, if not annual, increases helped him better his life as time passed.
Combine the extra salary with the worker’s life efficiencies, such as paying off a mortgage, having children grow and leave the house etc. Now, examine today’s world. Raises are smaller. Those life efficiencies are getting fewer. Mortgages are more difficult to pay off because houses likely have dropped in value. In fact, foreclosures have skyrocketed in the last few years.
Children that grow into adults are leaving home later, if at all. Those adult children may be finding it difficult to support themselves, perhaps because they have lost a job and are having trouble finding another. If they do find another job, it is often for less money than they were making, compounding the difficulty of independence.
Financial upward mobility is more difficult to achieve because employment that may have been secure decades ago is far from secure now. We have to find multiple sources of income so that we are not so dependent on one job, or one employer.
The good news is there are many such income sources out there. For one of the best, visit www.bign.com/pbilodeau. You’ll find financial assistance in two ways: spending less and earning more.
It’s logical that high unemployment keeps wages down. It’s also logical that as employers’ non-wage costs rise – 31% of those surveyed by NABE reported rising material costs, Carroll reports – employees will pay for it with flat wages.
We can curse out our employers for not paying us enough. One might argue that we almost never get paid enough working for someone else. But cursing or blaming your employer wastes energy.
We have to manage our own financial situations ourselves. We have to continually look for jobs or other income that will better our lives. We also have to spend what we have wisely.
In fact, living BELOW one’s means may be the first step toward financial independence. If one lives below one’s means long enough, and invests wisely what he is not spending, eventually he can live better, if not the way he wants, regardless of his employment situation.
So, to paraphrase Chik-fil-A founder S. Truett Cathy, earn your money, however much or little, honestly. Spend it wisely. And, if you are fortunate enough, give the rest away to worthy causes.
Peter
#retirement bust YOU THOUGHT YOU WERE ALL SET, BUT …
History may judge the years 2007 to 2012, give or take a few years on either end, as the retirement bust years.
People not only lost jobs just before they were about to retire, but also their pensions shrank.
People who thought they were all set for retirement, with a nice, promised pension, got a rude awakening. The monthly benefit on their retirement documentation shrunk considerably.
It was a combination of the economy tanking, and companies contributing less, if anything at all, to their retirement accounts. Added to that, the stock market , which supports most retirement accounts, took a big tumble. The bottom fell out of thenNet worth of everything – companies and individuals.
Even the savviest investor could not prevent what happened in those years, short of taking his money out of the financial markets ahead of time. Any investor who withdraws completely is probably not that savvy. Savvy investors take the ups and downs of the market as an expectation, though no one expected what happened in those years.
So the question becomes not whom to blame for the mess. There’s plenty of blame to be spread around among Wall Street, government and, yes, individual decisions. But blaming wastes energy that should be focused on recovery.
We all have had to rethink retirement. Some of us have told ourselves we have to work until we die. Some of those folks may have other alternatives, but they are not seeing them.
Certainly, some of us have said we have to work past the age we thought we were going to retire. That’s fine if you are in good health personally. But don’t think for a minute that your job will be there for as long as you want it. Companies reorganize drastically and often. The younger generation of workers, when they retire, may brag about how many reorgs they survived, just as the older generation is thankful for the steady work they had.
Speaking of young people, they may want to think twice about ASSUMING they will survive every reorg. It’s great to believe, or even be told, how good you are at what you do and how your employer cannot possibly live without you.
But, you can’t always see into the future. The world changes quickly. Companies are constantly looking at ways to work more efficiently. Lots of good people have lost jobs they expected to have for as long as they wanted to work.
How do we avoid the instinct to cast blame and rethink retirement? First, work on you. Make sure you have a good and optimistic attitude. Remember, those who innovate are usually optimists. It’s tough to see the future properly without believing that all, eventually, will be good.
Secondly, think about the things you DON’T like to do – things that make you “uncomfortable,” or so you believe. Give them a try. Then, try them again, and again etc. This will take you out of your comfort zone, where you may have to go, eventually, to survive.
Thirdly, don’t be afraid to look at something different. The people who lament that they thought they were all set, are many of the same people who tell themselves, “oh, I couldn’t possibly do THAT!”
There are many ways to fight this. For one of the best, visit www.bign.com/pbilodeau. If you leave your comfort zone to look at something new, you may lose the instinct to cast blame for your troubles, and find a way out.
This may not be your dad’s way to retire, but the world has changed. We need to be part of our own solutions, rather than focusing on how we got into trouble.
Think of it this way: the federal government bails out some companies because innocent people would get hurt if they didn’t. But they won’t bail you out as an individual if you get hurt. You have to bail yourself out. You might not only bail yourself out, but prosper in many ways in the process.
Peter
WEALTH CONCENTRATED IN FEWER HANDS
The goal of past generations is to have the next generation be better off than they were.
Many of us can remember a time when, if we worked hard, we advanced. If we had a job and behaved on the job, we could work as long as we wanted, retire when we got older and have a few good years of leisure as a reward for our hard work.
By most accounts, this was called the American Dream.
The recession of 2008 may have changed everything. We now have a world in which the middle class is shrinking because hard-working people are losing their jobs, and having great difficulty finding another that pays as well – if they find one at all.
Lifestyles are being cut back. Pessimistic views of the future abound. Perfectly good, hard-working people are getting discouraged. Spirits are being broken.
Thomas Picketty, a French economist, draws a picture of consolidation of wealth in fewer hands in his book, “Capital in the Twenty-First Century.” New York Times columnist and economist Paul Krugman calls the book a phenomenon. Krugman wrote about the book in an April 24,2014, column.
Picketty sees a world in which more wealth will be concentrated in a decreasing number of hands. He sees that as a dangerous trend.
No one wants anyone to get paid for laziness. Most people want to work, and want to be paid fairly for what they do. Krugman points out that more conservative economic policies of government are leading to wealth being spread more lavishly on fewer people, at the expense of a majority of others.
Without getting into a debate about the values, or evils, of socialism or capitalism, let’s look at what we have in front of us.
Many of us have gone through a downsizing at work. Companies are learning to operate with fewer people, thanks to technology advancements and other things.
When this happened in previous decades, those who got laid off were reasonably confident they would find work before too much time passed. Today, that’s not necessarily the case. There are millions of people who have been out of work for extended periods, and employers are not hiring them because they have been out of work for so long.
Hence, the capitalistic wealth distribution formula – work=money – is turned on its head. The socialist voice is getting louder. In other words: more heavily tax those few who have benefitted from this, to cover those that they injured in the process.
But there may be a better way than wealth redistribution through government. Make more widely known the available vehicles for a person to change his life. There are many opportunities out there for people to live their dreams, despite having been hurt by the current economic trends.
For one of the best, visit www.bign.com/pbilodeau. At the same time, some people have to change. It was comfortable having a job, going to work, work as many years as a person wanted and retire not only with the means to meet needs, but perhaps to also enjoy leisure.
You can be angry at wealth concentration in a few hands, or you can find a way to gain more wealth for yourself, and help others do the same.
That’s the ultimate in people helping people. If more people did that, proper wealth distribution would naturally occur, without government interference.
It’s always better to earn your own wealth than to take someone else’s. Look for a vehicle that allows you to do that, without impoverishing others in the process. Look for that vehicle you and your friends could ride together — and work together to enrich each other.
Think of the good you can do in the process. Best of all, think of the fun you’ll have doing it.
Peter