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Why Follow The Path If You Can Be Insane?

“The object of life is not to be on the side of the masses, but to escape finding oneself in the ranks of the insane.” – Marcus Aurelius

Are you currently following down the path of the masses? Living what marketers are selling as the American dream? To me this would be something along the lines of:

  • Graduating college with student loan debt
  • Getting a safe job with a respected company
  • Living a lavish lifestyle always needing to have the latest and greatest gadgets
  • Spending thousands of dollars on that perfect engagement ring
  • Purchasing a home you can hardly afford because you feel you deserve it
  • Buying the brand new car to take on a car payment you didn’t need
  • Getting that promotion at work and immediately having lifestyle creep
  • Watching Dancing With the Stars every week (Bigger Pockets Beardy Brandon’s favorite go to!)
  • Going out and spending way too much money on alcohol that isn’t good for your body

All too often we drift down the path of the masses because, well, it is easy. Doing what others do does not require intentional thought. Let’s be honest with ourselves, when we get home from our day job the last thing we want to do is think. It is much easier to spend all your cognitive stamina at a job and then come home to lay down on the couch and turn the TV on. This is the path of the masses in the current day and age of technology.

What if you took one step off the path of the masses each and every day? What if you challenged yourself to do one thing that made you uncomfortable each week? What if you started listening to audio books or podcasts on your commute to work?

Straying away from the masses is not something easy to do. You must be intentional with your time, thoughts, and energy. Are you willing to put in the time and effort to set yourself and/or family up for the rest of your life? If you want to change your life (for whatever reason), start with paving a path less traveled.

Key Takeaways:

  • Don’t drift down the path of the masses because it is easy
  • Challenge yourself to do one thing a week that makes you uncomfortable
  • Listen to audio books and/or podcasts on your commute to work

Enjoying the content? Best way to keep up to date or reach out to me is through Instagram. IG @TheYoungRetireeBy33.

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The Simple Truth Most People Don’t Want To Accept

‘All events of wealth are preceded by process, a backstory of trial, risk, hard work and sacrifice.’ – MJ Demarco, the Millionaire FASTLANE!

Remember that overnight sensation who became an all star in the NBA? What about the multi-millionaire who made $100 Million after selling their startup?

Most individuals see the final results and are so focused on lagging metrics. Most individuals don’t want to face the reality of putting in the hard work. Most individuals are looking for the get out of jail free card to propel them to that next level.

What if I told you, very simply, you have to put in the time and effort if you want to succeed in whatever your goals are. This is a simple truth the human mind struggles to cope with. We have grown up and are living in a day and age where people feel entitled to that next big promotion, free two day delivery of packages (funny thing you don’t realize you are actually paying for it), or the car or home they have always dreamed of. All of these things are well and good, but where has the mindset gone of putting in the work and busting your ass for what you want.

I don’t agree with the money mindset my parents have and still have, but one of the things I am most thankful for is their obsession of instilling a great work ethic into both my brother and I. My dad used to always tell us, “If you aren’t going to do it right the first time, you might as well not do it at all.” Have you ever heard that phrase? It was one of those phrases where you knew you had messed up big time if your parents had to say. I heard it a lot as a younger kid growing up.

This instilled a drive and work ethic in me I am forever grateful for.

Key Takeaways:

  • Hard focused work will trump almost everything
  • People too often are focused on the end result versus focusing on accumulating actions every day to put yourself in a position to reach the end goal
  • Sometimes you have to risk it for the biscuit
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How I Could Have Lost Over $15k In Free Travel

I was talking to my parents on Father’s day being a good ol’ son wishing my dad a great day, when somehow my parents and I got on the topic of spending my rewards points I have accumulated so I don’t lose them. This caught be off guard. I asked, “Hold up, you can lose your rewards points?!?!”

This got me to do a little further digging for each of the rewards programs I currently have points on. Here is what I found through searches from my good friend Google:

Wow, thank goodness I looked up whether or not points expired. Would have sucked to potentially lose $15,000 worth of travel rewards.

Over the last year I have been experimenting with different rewards programs, as you can see above. I am currently renting hotels with Marriott when I travel for work. Now that I have done the research, I am going to mix in one stay with IHG and Hilton to ensure I won’t lose my points!

Key Takeaways:

  • Just because you earned the points, doesn’t mean you get to keep them.
  • Look up your rewards program to ensure you don’t lose your points. A simple Google search of “Do IHG points ever expire?” should return what you are looking for.
  • Beware of accounts where you get the rewards points, the card has an annual fee, and you don’t renew the card at the end of the year. Use the points before the end of the year or you are better off keeping your account. There will be some dependencies on how many points you have

Take action and find out if any of your rewards points expire! All of this information is current as of June 2019. Please ensure you look up your program specifically at the time of reading this as I am sure some will change over the years!