What’s Your Wake-Up Call?

The retirement wake-up nightmare call can take many forms but the content is basically the same. It is a disillusionment of what retirement should be about and has not delivered.

It is a rather eye-opening experience for sure. It can manifest as fear, doubt, uncertainty, and boredom. These are not the qualities that we expected to experience after a lifelong dedication to our work endeavors. Let’s explore this a bit more and see what solutions we can discover.

For some people, a wake-up call can be a serious illness such as breast cancer. For others, it is a significant life event like the kids leaving home or a divorce or retiring from your profession. Losing a loved one can be a wake-up call. Narrowly avoiding an accident on the highway can be a wake-up call.

What do all of these situations have in common? They make us realize that life is short. Too short to waste in a job we no longer love. Too short to waste time doing what we no longer love. Too short not to buy those red cowboy boots we have always wanted. They shake us out of our complacency, out of our routines.

Our Reactions to Wake Up Calls

Wake up calls cause us to question everything, from the meaning of our lives and the relationships we have to how we spend every waking moment. A wake-up call can feel like a shake up or a shattering. Or it can feel like a big hole where there used to be a loved one, or a career or an able body.

Some wake up calls make us want to hold our kids tight, tell people that we love them. They encourage us to make the best of every day. A wake-up call makes us yearn to live life to its fullest, to reach our potential. A wake-up call makes us yearn to live life and our “Golden Years”.

We all have wake up calls, but we do not always answer them. This is where the yes – buts come in. Yes, I should change up my life, but I have been in this profession for 30 years and I do not know what else I would do.

Yes, I would love to go the the gym, walk every day, take that art course, or start a small business, but I am so busy.

For women in particular, the yes – buts often take the form of yes, I would love to… or I need to… but my aging mom or dad needs me, or the kids need me, or the cat needs me.

One Wake-Up Call Is Sometimes Not Enough

Some of us need several wake-up calls before we respond. That would be me and my son Clayton raising his hand. In 2003 he was attacked by a gang of twenty-one guys, died, returned to life, and took us 20 years to bring him back.

He was just 14 years old when he was attacked for no reason at all. He was sitting outside a Holiday Inn in San Francisco near China Town. He was alone waiting for a friend to go play video games. He has been a star baseball and football play starting high school.

As a result of the attack, he suffered a Traumatic Brain Injury (TBI), loss of one eye, had a stroke, many broken bones among internal injuries and years of rehabilitation at a cost in excess of $3.5 million.

On the night of the injury, I was on the floor in ICU of San Francisco General Hospital. I prayed and agreed with God if God would let Clayton live and recover, I would do whatever God direct me to do. That night he received his last rights from Father Bill of St Emydius Catholic Church.

Clayton was only fourteen at the time of the attack. His doctors told he would never recover from the attack. Never walk again. Never complete high school. Never go to college. Never be able to go to work. Never be able to live on his own. In essence, never have a life.

This started major wake-up calls for us and the beginning of a long journey in both of our lives.

As a result of this attack, Clayton was in a coma for months. After coming out of his coma he went through years of rehabilitation.

I spent months in the hospital with him. I gave up my practice, career, earnings, and focused on his recovery. I knew this was a call I had to answer. I decided that I would do whatever it took until he recovered.

I give up everything for him.

I allowed myself no time to recover before deciding what was next. All I allowed for my self was a complete focus on Clayton’s recovery. I took him to and helped through high school. I worked with him every day. One day he graduated from high school with a B average.

I worked with him and he was accepted to The College of Marin. With the grace of God and the help from many people I continue to work with him. Eventually he was able to live with himself. The doctors in the early days said Clayton would never be able to do any of these things.

How to Answer a Wake-Up Call

Answering a wake-up call requires a few ingredients. It requires us to allow space for change to occur. Space can look like quitting your job and taking time off before jumping into the next thing. Space can look like starting your day with Taekwondo martial arts, or a walk, or hooking a mat. Space is creating some moments of quiet to allow possibilities to emerge.

Answering the call requires we take a step into the unknown. This can be scary. It can be thrilling. And it can be both. The step can look like jumping out of an airplane at 15,000 feet.

The step can look like signing up for that class you always wanted. It can look like raising your hand to work with that business coach you have admired for the past three years. It can be making the decision to quit your job or close your practice.

When we take a step into the unknown the future may look a bit foggy, or it may be unimaginable, or it may be a complete blank.

Answering the call requires a commitment to dig deep, to explore the unknown and to show up for yourself. To allow yourself the time and space you need to really heal, to be the person you were created to be. Answering the call requires a promise to yourself that you will keep going, that you will not fall back into old habits.

What exactly is digging deep?

It can mean being willing to sit with uncomfortable emotions. It can mean exploring our habits and beliefs that are no longer working for us. Digging deep can also be a willingness to ask tough questions. To spend time understanding why we have made certain choices in our life and how we can move forward from this.

Our bodies can give us clues that all is not well. We just need to listen. Clayton’s attack was telling me I needed to change my life by focusing more on our future. Our soul wants us to thrive, to live life fully. Lucky for us, our soul will keep sending us opportunities for true & profound healing.

I was a minister in Unity Church in San Francisco and studied the power of the mind. I used this training and information everyday in Clayton’s recovery and my own. Clayton’s wake-up call was physical and mental. Mine was spiritual, mental, physical, financial, and much more.

This wake-up calls was another one of the major wake-calls of my life. I understand that wake-up calls continue until I answer the call or…

On February 28, 2003, the day Clayton was attacked, I chose to answer the wakeup call, do whatever it took to change the direction of our lives. I have done so up to this day.

What was challenging about this major wakeup call was that I was 58 years old. It was the height of my earning years in my profession. I was only a few years away from retirement and on the path to my “Golden Years”. As a result of this wake-up call I had to start all over again spiritually, mentally, physically, financially, and much more.

Retirement Wake-Up Calls

According to a 2019 report from the U.S. Federal Reserve, a quarter of American adults do not have any retirement plan at all. They have no savings or pension at all.

One might argue that young adults are more likely to focus on student debts than on retirement plans. However, the Federal Reserve report reveals that this alarming lack of preparedness is still present among some of the older demographics.

Indeed, 26% of Americans aged 30 to 44, 17% of those aged 45 to 59, and 13% of those over 60 have no retirement savings nor plans. 

If you find yourself in those demographics, it is time for a wake-up call.

Is it too late to prepare your finances for retirement?

The answer is a little more complex than a straightforward yes or no.

However, one thing is for sure; you can’t rely only on employer-sponsored plans only, such as the 401(k), when you’re already too late in your career. Smart investments and saving plans need to be your priority.

Where do you start with your wake-up call miracle plans? 

Age Wake-Up Calls

Today, just over 34 percent of the US population is aged 50 and over, and their numbers are rising rapidly with the aging of the baby-boom generation. The oldest baby boomers hit age 50 in the mid-1990s, nearly doubling the number of people in the preretirement age group of 50–64 from 32.5 million in 1990 to 58.8
million in 2010.

The number of 65-year-olds in the United States will rise from 46.2 million to just over 98 million by 2050, with one in every three of us developing dementia. It is up to you to ensure that you are financially stable, healthy and well cared for in your later years.

[1]: What age is considered to be a senior citizen?

• In the United States of America, Senior citizen are considered at the age of 50 to 60 years. In many cases, people who are at the age of 55 can be titled as senior citizens.

[2]: Is 50 considered senior citizen?

• The age of the senior citizens varies according to different countries. A senior citizen is considered from 50 years old in the United States of America. This may be different in other countries. Senior people are entitled to get different benefits and advantages which may vary according to their age variation as well.

The National Council on Aging has conducted a survey of Americans age 50 and over, along with various professionals who work with the elderly, to assess the concerns and needs of America’s aging population.

As you might expect, many of the issues revolve around finances and health, mobility and socialism, and end of life.

You can’t control everything.

You can’t control everything, but you can plan for what you can, then sit back and enjoy your golden years. People grow old; it’s an unavoidable fact of life; it will happen to you, so make the most of every day you have left and consider the following Special Report. It can save your life and your golden years.

What You Need Wake-Up Calls

Here are some of the nine things seniors most desire as they grow older.

1. Money and financial support.
2. Health. Avoidance of health issues such as osteoporosis, arthritis, hearing loss, and incontinence.
3. Relationships.
4. Community.
5. Food.
6. Routine.
7. Respect.
8. Physical Activity.
9. Comfort.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

The Four Major Mental Wake-Up Call Challenges

Dementia, psychotic depression, personality changes, mood swings, aggression, and other mental health issues affect the elderly.

ASSESSMENT

How are you presently doing in each of these wake-up calls today?
What are you doing now to eliminate each of these wake-up calls?
As you grow older how do you see your life as to each of these wake-up calls?

What Makes You Happy

Eight suggestions for any person who wishes to live a happy retirement life.

1. Maintain financial stability.
2. Maintain a Sense of Humor.
3. Go Outside Every Day.
4. Give Back to the Community.
5. Keep Smiling.
6. Discover New Interests.
7. Stay Healthy.
8. Give Back to the Community.

ASSESSMENT

How are you presently doing in each of these wake-up calls today?
What are you doing now to eliminate each of these wake-up calls?
As you grow older how do you see your life as to each of these wake-up calls?

Formula to Eliminate Wake-Up Calls

First. Fix in your mind the exactly what you want or the amount of money you desire. It is not sufficient merely to say “I want plenty of money. “Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter).

Second. Determine exactly what you intend to give in return for what you want or the money you desire. (There is no such reality as “something for nothing.)

Third. Establish a definite date when you intend to possess the money you desire.

Fourth. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action.

Fifth. Write out a clear, concise statement of what you want or the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.

Sixth. Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning.

NOTE: It is important that you follow the instructions described in these six steps. It is especially important that you observe, and follow the instructions in the sixth paragraph. You may complain that it is impossible for you to “see yourself in possession of what you want or money” before you actually have it.

Here is where a BURNING DESIRE will come to your aid. If you truly DESIRE something or the money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it.

The object is to want something, and to become so determined to have it that you CONVINCE yourself you will have it.

To the uninitiated, who has not been schooled in the working principles of the human mind, these instructions may appear impractical. It may be helpful, to all who fail to recognize the soundness of the six steps, to know that the information they convey, was received from Andrew Carnegie, who began as an ordinary laborer in the steel mills, but managed, despite his humble beginning, to make these principles yield him a fortune of considerably more than one hundred million dollars.

If you want help applying this formula to eliminate wake-up calls contact Michael at 650-515-7545

Wake-Up Calls You Fear Most

The majority of seniors fear losing their independence more than death, according to a survey conducted by the Disabled Living Foundation. A variety of age-related health conditions can make it more difficult for seniors to live independently.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

Wake-Up Call Preparation

Daily Living & Lifestyle

While most adults want to age in place, things like finances, health, medical care, bathing, dressing, and meal preparation can become difficult with age. In the US, over one-third of seniors require assistance with activities of daily living.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

[A]: FINANCIAL WAKE-UP CALL CONCERNS

CONCERN 1. Financial security. Only about one in five people believe they will need support managing their finances as they get older.

CONCERN 2. Financial Wellness

Adults are living further into their senior years which makes managing a fixed income more important now than ever. Seniors also face many threats to their financial wellness such as identity theft and fraud.

CONCERN 3. Sudden bills. Seniors worry about the constantly increasing cost of living, as well as a sudden and unexpectedly large medical expense.

CONCERN 4. Cutting costs. When looking to save money, people turn to senior discounts and try to limit expenses involving travel and vacation.

CONCERN 5. Savings and Investments Are Running Out. Many folks start their senior years with a significant amount of savings and investments and others not so much.

Those who have little in savings and investments are particularly vulnerable to unexpected costs that may arise. But there is also a problem for those who have been successful in setting aside some extra money. Because people are living so long, they often outlive their savings and investments. What this means is that along the way to becoming older at age 85 or age 90 or age 95, a number of expenditures have eaten into savings and investments.

It’s not always withdrawals to create extra income that deplete the accounts. Perhaps there were unseen medical bills. Perhaps there was a major repair to the home that was not anticipated. Perhaps there was a divorce and a splitting of assets which is not so uncommon with senior couples today.

In today’s modern society, we often see the children coming back and asking for financial help or moving in because they have no money. Perhaps the savings and investment returns that were anticipated didn’t materialize and the accounts did not grow to keep pace.

Perhaps the income stream during the senior years did not grow as fast as inflation and savings and investments were raided to augment income. Or perhaps the plan was deliberate to use savings to augment income, but savings and investment growth were anemic.

CONCERN 6. Income Is Inadequate. If a senior or a senior couple is relying on investments and savings to augment income such as Social Security or pensions, and for various reasons those retirement accounts did not produce the anticipated results, many seniors find themselves in a bind in later years where they can’t seek employment to make up the inadequate income.

There are also other reasons that the income might not be keeping pace. A major reason for many seniors nowadays is the accumulation of debt, particularly credit cards.

Paying back money borrowed on credit cards or through home equity loans eats into income. For whatever reason, banks have been particularly liberal about issuing credit cards to older individuals who may not have the capacity to service that debt. The debt may have been necessary because of a major repair to the home, or due to unforeseen high medical bills or because of a bad investment due to financial fraud. These types of fraudulent investments seem to be more prevalent among seniors.

Another major factor for inadequate income could be that the income flow from year-to-year is not keeping pace with inflation. This is particularly true for seniors on Social Security or fixed pensions who have to pay for the high cost of medical care.

The cost of medical care has been increasing significantly faster than the yearly increases in Social Security. Also, in some areas the cost of maintaining a household due to higher utility bills, higher taxes and higher maintenance costs has risen faster than the cost-of-living increases in Social Security income.

CONCERN 7. Vulnerable to Financial Exploitation

As one grows older, there is a tendency to be more trusting and thus more vulnerable to financial exploitation. We don’t need statistics to prove that we simply know from experience that this is true.

Financial exploitation can take several forms. For example, many seniors will hire handymen or mechanics or other service providers to help them with their maintenance, repair or remodeling needs. Unscrupulous maintenance or repair providers sometimes take advantage of seniors by providing services that are unnecessary and these people often charge more for those services.

Additionally, because of the many exposés on television, all of us are aware of phone scams and Internet scams that take advantage of seniors and rob them of their savings.

Finally, some financial services practitioners will sell financial products, financial services or investments to seniors that are not suitable for them that may result in losses or the inability to access their funds.

CONCERN 8. Financial Security and Employment

Earlier we noted that the elderly is less likely than younger age groups to live in poverty and that their financial status is much better than that of previous generations of older people.

One reason for this is Social Security: If Social Security did not exist, the poverty rate of the elderly would be 45 percent, or five times higher than the actual rate (Kerby, 2012).

Without Social Security, then, nearly half of all people 65 or older would be living in official poverty, and this rate would be even much higher for older women and older persons of color. However, this brief summary of their economic well-being obscures some underlying problems (Carr, 2010; Crawthorne, 2008).

Once seniors become poor, they are more likely than younger ones to stay poor, as younger people have more job and other opportunities to move out of poverty.

Second, the extent of older Americans’ poverty varies by sociodemographic factors and is much worse for some groups than for others (Carr, 2010). Older women, for example, are more likely than older men to live in poverty for at least two reasons.

Because women earn less than men and are more likely to take time off from work during their careers, they have lower monthly Social Security benefits than men and smaller pensions from their employers.

As well, women outlive men and thus use up their savings. Racial and ethnic disparities also exist among the elderly, reflecting poverty disparities in the entire population, as older people of color are much more likely than older whites to live in poverty (Carr, 2010).

Among women 65 and older, 9 percent of whites live in poverty, compared to 27 percent of African Americans, 12 percent of Asians, and 21 percent of Hispanics.

Third, monthly Social Security benefits are tied to people’s earnings before retirement, the higher the earnings, the higher the monthly benefit. Thus a paradox occurs: People who earn low wages will get lower Social Security benefits after they retire, even though they need higher benefits to make up for their lower earnings. In this manner, the income inequality that exists before retirement continues to exist after it.

Social Security payments are low enough that almost one-third of the elderly who receive no other income assistance live in official poverty. For all these reasons, Social Security is certainly beneficial for many older Americans, but it remains inadequate compared to what other nations provide.

CONCERN 9. Workplace Ageism

Older Americans also face problems in employment. About 16 percent of seniors remain employed. Other elders may wish to work but are retired or unemployed because several obstacles make it difficult for them to find jobs.

First, many workplaces do not permit the part-time working arrangements that many seniors favor.

Second, and as the opening news story indicated, the rise in high-tech jobs means that older workers would need to be retrained for many of today’s jobs, and few retraining programs exist.

Third, although federal law prohibits age discrimination in employment, it exists anyway, as employers do not think older people are “up to” the job, even though the evidence indicates they are good, productive workers.

Finally, earnings above a certain level reduce Social Security benefits before full retirement age, leading some older people to avoid working at all or to at least limit their hours.

All these obstacles lead seniors to drop out of the labor force or to remain unemployed.

Age discrimination in the workplace merits some further discussion.

According to sociologist Vincent, survey evidence suggests that more than half of older workers have experienced or observed age discrimination in the workplace, and more than 80 percent of older workers have experienced or observed jokes, disrespect, or other prejudicial comments about old age.

Roscigno notes that workplace ageism receives little news media attention and has also been neglected by social scientists. This is so despite the related facts that ageism in the workplace is common and that the older people who experience this discrimination suffer financial loss and emotional problems.

Roscigno interviewed several victims of age discrimination and later wrote, “Many conveyed fear of defaulting on mortgages or being unable to pay for their children’s college after being pushed out of their jobs.

Others expressed anger and insecurity over the loss of affordable health insurance or pension benefits…Just as prevalent and somewhat surprising to me in these discussions were the less-tangible, yet deeper social-psychological and emotional costs that social science research has established for racial discrimination or sexual harassment, for instance, but are only now being considered in relation to older workers.”

One of the people Roscigno interviewed was a maintenance worker who was laid off after more than two decades of working for his employer. This worker was both hurt and angry. “They now don’t want to pay me my pension,” he said. “I was a good worker for them and always did everything they asked. I went out of my way to help train people and make everything run smoothly, so everybody was happy and it was a good place to work. And now this is what I get, like I never really mattered to them. It’s just not right”.

CONCERN 10. Economic Disparity

Some older adults willingly work well into their 80s. Others, however, are forced to work longer into the retirement years because of financial pressures.

This cost burden is often unplanned and may be the result of lost productivity due to caring for an aging parent or adult child with developmental disabilities or special needs.

In some cases, their health has been compromised due to caregiving stresses or an unplanned health crisis, limiting their ability to work.

Senior hunger and poverty are huge challenges in today’s world: a recent study from Feeding America suggests that 5.5 million seniors don’t have access to enough nutritious foods, a number that has more than doubled since 2001 and will likely continue its upwards trend with the current senior population surge.

According to the most recent studies in the United States:

• More than 15 million older adults are economically insecure.
• About 50% of seniors rely on Social Security for the majority of their income.
• As of 2020, 8.9% of people ages 65 and older have incomes below the official poverty threshold under the official poverty measure. 
• Over the next 10 years, the number of elderly Americans without homes could triple.

Poverty affects older adults differently than other demographics — these individuals are especially vulnerable to economic instability when their physical health, cognitive abilities and social networks decline.

• Social Security keeps 21.7 million Americans out of poverty, nearly 70% of whom are senior citizens.
• The average Social Security retirement benefit is $18,170 per year.
• A 1.3% cost-of-living adjustment (COLA) began in January 2021.
• The true buying power of Social Security benefits has decreased 30% over the past 20 years.

CONCERN 11. Social Security and poverty predictions

Americans are living longer — and, at the same time, the birth rate is decreasing. For several years now, we’ve been in the middle of a “silver tsunami” caused by 10,000 baby boomers turning 65 each day. In addition, those in Generation X will start turning 65 by 2030.

According to the Social Security Administration, Social Security is not sustainable over the long term with the current benefits and tax rates.

• The number of retired workers is expected to double in about 50 years.
• Both Old-Age and Survivors Insurance (OASI) and Disability Insurance (DI) reserves will be depleted by 2035.

CONCERN 12. Elderly homelessness on the rise

Older people have the highest risk of putting more than 30% of their incomes toward rent or mortgage payments, according to the Harvard Joint Center for Housing Studies.

• New York City’s over-50 homeless population is projected to reach 25,000 by 2030.
• Another 2.4 million of the poorest seniors will lose access to affordable housing by 2038.

CONCERN 13. Cost of Care

Nursing home and assisted living care is expensive and often not first choice of care delivery, but home health care is equally costly — and not generally covered by Medicare or Medicaid. Many millennials are caring for grandparents at the expense of their own career and family goals.

Adult children and their families are splintered by the stresses of caring for an aging parent; sibling dynamics and disagreements about care decisions are the cause of much turmoil. And the strain of long-term caregiving — for example, someone with Alzheimer’s can live with the disease for up to 20 years — and even shorter-term, high-stress caregiving (i.e. stroke recovery) is taking its toll on boomers’ health.

CONCERN 14. Staying in your current home. Almost 60 percent of seniors have not changed residence in the last 20 years, and 75 percent say they “intend to live in their current home for the rest of their lives.”

However, the majority of seniors say they would like to see more services available to help them adapt their homes for their developing needs. Many people admit that they will need help maintaining their homes, but most of them do not believe that their communities have the ability to help them out.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

[B]: HEALTH WAKE-UP CALL CONCERNS

CONCERN 1. Senior Health Status

The majority of older adults are in fair or poor health and have incomes below the poverty level. Those living in poverty are less likely to have adequate resources for food, housing, health care and other significant needs, which can in turn affect physical and mental health.

Adults 65 and older account for 16% of the U.S. population but 80% of coronavirus deaths in the U.S. This is higher than their share of deaths from all other causes (75%) over the same time period.

• In 2019, nearly 6 in 10 older adults considered to be in fair or poor health had incomes below 200% of the poverty level, compared with about 3 in 10 older adults in good or excellent health.
• As of late 2020, 95% of Americans killed by COVID-19 were 50 or older, with the odds getting worse as people age — a plurality of covid deaths occurred in those over 85.
• Nearly 1 in 10 households that include Americans 65 or older can’t buy enough food — this is more than during the Great Recession from 2007 to 2009.

In the beginning of the coronavirus pandemic, seniors experienced increased food insecurity. This could be due to fewer in-person visits from friends and family members or less involvement with community outreach programs.

CONCERN [2]: Maintaining good health. 

People are focused on maintaining their physical and mental health as they get older and are particularly concerned about memory loss.

CONCERN 3. What products do the elderly need?

Because our bodies’ needs change as we age, certain nutrients become increasingly important for good health.

• Adults over the age of 70 require more calcium and vitamin D to maintain bone health than they did when they were younger.
• Vitamin B12.
• Dietary Fiber.
• Potassium.
• Know Your Fats.

CONCERN 4. Mental health. 

Everyone agrees it’s important to exercise and eat healthy as we get older. It also helps to keep a positive attitude and stay active socially.

CONCERN 5. Brain Health

Cognitive issues like Alzheimer’s and depression are serious concerns as we age, and it can be challenging to stay mentally active especially for isolated seniors.

CONCERN 6. The Senior’s Health Is Failing

Health can deteriorate over a period of time or a change in health can occur suddenly. Sudden unexpected changes in health might be a diagnosis of cancer or it might be a heart attack or a stroke or some other acute health issue.

Health that has deteriorated over a period of time will eventually result in disability – the inability of the senior to care for his or her own physical needs.

This disability will then result in someone acting as a caregiver to assist in such things as dressing, bathing, toileting, ambulating, needing help with incontinence, preparing meals, answering the phone, paying bills, shopping, running errands and so on.

This need for a caregiver usually requires making some major decisions for the remainder of the period in which the care is needed. As a general rule, chronic health failure over a period of time is not going to improve and will only get worse, resulting in a greater need for caregiving.

Acute changes in health can also lead to disability and the need for a caregiver. However, often the senior recovers and the disability disappears. On the other hand, sometimes the acute healthcare issue results in permanent disability and a permanent need for care.

A worsening of health for a senior – especially a senior of advanced age – will typically trigger the need for intervention and the need for making some serious decisions about living arrangements, costs, government support and family support.

CONCERN 7. Caregiving

There are two types of caregivers: professional caregivers who provide assistance as their occupation and family caregivers who’s loved one depends on them.

Often, seniors are provided informal care from their loved ones, but there can be times when it’s difficult to provide the care and attention your loved one deserves.

Many families and seniors are turning to professional Home Health Aides, however, there are still concerns over lack of trust and sometimes guilt when placing the responsibility for your loved one in someone else’s hands.

CONCERN 8. Care Coordination

Healthcare can become more complex as we age and face more illness and chronic conditions. Care coordination seeks to simplify senior care by improving the effectiveness of the health care system.

CONCERN 9. Finding the right care provision

When complete independence is no longer practical, many elderly people require additional care. Sometimes this care can be provided by family members, but this can place a lot of strain on the caregiver in terms of balancing this with work and other family responsibilities.

These caregivers need to be given the training, resources, and emotional support necessary to help them deliver the best care for their loved ones and themselves.

CONCERN 10. Access to healthcare services

Healthcare can be complicated and disjointed for elderly people, especially for those struggling with long term conditions. The care requires lots of different medical professionals and clinics to coordinate delivery of medication and other types of care.

CONCERN 11. Physician Shortage

A growing senior population with increasing care needs requires a physician surge, but data suggests a shortage instead. Per the Association of American Medical Colleges, a shortage of up to nearly 122,000 physicians is expected by 2032, right around the time when seniors officially outnumber children.

And it’s not just doctors who are in short supply for the senior population: a nurse shortage and limited availability of care services in rural settings continue to strain an already taxed system

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

[C]: MOBILITY AND SOCIALISM WAKE-UP CALL CONCERNS

CONCERN 1. Seniors Losing His or Her Independence

Seniors can lose their independence simply because of advanced age and a general weakness and frailty – requiring intervention and support from other people.

However, the most common cause of losing independence is dementia. The risk of dementia or a loss of cognitive capacity increases considerably as one grows older. For aged seniors who are age 80 and above, the risk of dementia is almost 50%. This means that almost half of all aged seniors are experiencing some form of cognitive impairment.

Families often wait too long before intervening to assist the aged senior to maintain independence. Perhaps it is because the family is in denial or perhaps it is because they hope it will go away or perhaps it is for some other reason.

CONCERN 2. Bereavement and Social Isolation

“We all need someone we can lean on,” as a famous Rolling Stones song goes. Most older Americans do have adequate social support networks, which, as we saw earlier, are important for their well-being.

However, a significant minority of elders live alone and do not see friends and relatives as often as they wish.

Bereavement takes a toll, as elders who might have been married for many years suddenly find themselves living alone. Here a gender difference again exists. Because women outlive men and are generally younger than their husbands, they are three times more likely than men (42 percent compared to 13 percent) to be widowed and thus much more likely to live alone.

Many elders have at least one adult child living within driving distance, and such children are an invaluable resource. At the same time, however, some elders have no children, because either they have outlived their children, or they never had any.

As baby boomers begin reaching their older years, more of them will have no children because they were more likely than previous generations to not marry and/or to not have children if they did marry. Baby boomers thus face a relative lack of children to help them when they enter their “old-old” years (Leland, 2010).

Bereavement is always a difficult experience, but because so many elders lose a spouse, it is a particular problem in their lives. The grief that usually follows bereavement can last several years and, if it becomes extreme, can involve anxiety, depression, guilt, loneliness, and other problems. Of all these problems, loneliness is perhaps the most common and the most difficult to overcome.

CONCERN 3. Loss of Mobility & Movement

Often the concern about senior transportation comes up when family members become worried over the safety of an aging loved one’s ability to drive. This can be a difficult conversation to bring up, as many older adults are accustomed to being independent on the road.

CONCERN 4. Social Concerns

Every day there is more data on the grief, loneliness, and isolation of seniors and the accompanying health risks — both physical and emotional.

A steady (and in some areas, sharp) increase in the rates of suicide, divorce, substance abuse, and mental health concerns among the senior population underscores just how hard these aforementioned challenges hit home.

With more seniors worrying about where their next meal will come from and where they will live if they outlive their savings, the rise in rates of depression, grief, and loneliness is perhaps not surprising.

CONCERN 5. Social support. 

Some 60 percent of those surveyed say that young people today are less supportive of older people than their own generation was in previous years. Fewer than half of those surveyed say that their community is not doing enough to fulfill the needs of retiring baby boomers.

CONCERN 6. Engagement & Purpose

Finding outlets to stay socially engaged in a way that provides a sense of purpose can be challenging for older adults. With the rapid rate the world progresses, it’s easy to feel behind trends at times and out of touch with the people around you.

CONCERN 7. Elder Abuse

Some seniors fall prey to their own relatives who commit elder abuse against them. Such abuse involves one or more of the following: physical or sexual violence, psychological or emotional abuse, neglect of care, or financial exploitation (Novak, 2012).

Accurate data are hard to come by since few elders report their abuse, but estimates say that at least 10 percent of older Americans have suffered at least one form of abuse, amounting to hundreds of thousands of cases annually. However, few of these cases come to the attention of the police or other authorities (National Center on Elder Abuse, 2010).

Although we may never know the actual extent of elder abuse, it poses a serious health problem for the elders who are physically, sexually, and/or psychologically abused or neglected, and it may even raise their chances of dying.

One study of more than 2,800 elders found that those who were abused or neglected were three times more likely than those who were not mistreated to die during the next thirteen years. This difference was found even after injury and chronic illness were taken into account (Horn, 1998).

A major reason for elder abuse seems to be stress. The adult children and other relatives who care for elders often find it an exhausting, emotionally trying experience, especially if the person they are helping needs extensive help with daily activities. Faced with this stress, elders’ caregivers can easily snap and take out their frustrations with physical violence, emotional abuse, or neglect of care.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

[D]: END OF LIFE WAKE-UP CALL CONCERNS

CONCERN 1. End-of-Life

While listed as the last challenge, this might be the most difficult challenge families must prepare for, and it’s important to have the right mindset when planning for life after our own. The National Institute on Aging recommends that seniors have these documents in place:

• Will
• Living will
• Durable power of attorney for health care
• Do-not-resuscitate (DNR) order
• Durable power of attorney for finances
• Living trust

We all need to prepare for the inevitable, but death is often a difficult topic for people to discuss or make plans for. Elderly individuals and their families need support when considering the end-of-life options available, financial implications, and how to ensure that the individual’s wishes are respected.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

That is why we recommend you continue reading this Special Report.

Things You MUST Do to Survive a Wake-Up Call

WAKE-UP CALL [1]: Be organized

Make sure all of your financial documents and plans are in one place and keep a clear list of everything that comes in and out of your household finances with them. Knowing exactly what your finances are will be invaluable in sorting out your care for you.

WAKE-UP CALL [2]: Make a will

While it is possible to make your own will, even a minor technical error can invalidate it, and any will you make now may become invalid if you marry/re-marry.

WAKE-UP CALL [3]: Have a What If… Meeting

Your family may not be happy to support you in any way, shape, or form just because you’ve decided to face old age head on.

WAKE-UP CALL [4]: Make a Living Will

A living will is a document in which you express your wishes for how you would like to be treated in various situations.

WAKE-UP CALL [5]: Organize Your Power of Attorney

If you are unable to make financial decisions for yourself, you may need a power of attorney. Setting up a power of attorney does not have to be expensive but having a loved one handle your financial affairs without it will be an even more costly process.

WAKE-UP CALL [6]: Set a Pension Up Now!

To maintain your standard of living after retirement, you’ll need at least 70% of your pre-retirement salary, which rises to 90% for those from lower-income households, so it’s critical to start contributing to a private pension as soon as possible.

WAKE-UP CALL [7]: Pay off all Your Debts Before You Retire

Debts are a huge drain on your bank account, and they can cause problems down the road if you’re trying to get into a care home, so pay them off as soon as you can before you’re too old to care for them.

WAKE-UP CALL [8]: Plan a Budget

Making a retirement budget is a good idea when thinking about the financial implications of retiring. Knowing how much you’ll need on a monthly and annual basis for retirement will make a lot of other decisions easier. Do you have a bucket list?

WAKE-UP CALL [9]: Keep Working

There’s no rule that says you have to retire at the age of 60 or 65; there are many other factors to consider, not the least of which is mental preparedness and how you’ll fill your days.

WAKE-UP CALL [10]: Stay Healthy

You can live a longer life by taking care of yourself by losing weight, quitting smoking, and only drinking in moderation.

WAKE-UP CALL [11]: Plan for Your Needs…Before They Become Necessary

Consider your needs as you approach retirement age: are you still living in the family home you’ve lived in for the last 20/30 years? Do you still require three bedrooms? A smaller house and garden will be much easier to manage as you get older.

WAKE-UP CALL [12]: Make Friends

Work friends may drift as you lose touch with them on a daily basis as you get older, and if you don’t have a large network of friends, you may be setting yourself up for isolation. Take inventory of who you know and who you can easily stay in touch with.

WAKE-UP CALL [13]: Stay Mentally Active

According to experts, staying mentally alert can help prevent depression as well as delay or slow the onset of dementia.

WAKE-UP CALL Key Takeaways

• The US seniors experience several health problems, including arthritis, high blood pressure, heart disease, hearing loss, vision problems, diabetes, and dementia.
• Despite help from Social Security, many older Americans face problems of financial security.
• Nursing home care in the United States is very expensive and often substandard; neglect and abuse of nursing home residents is fairly common.
• It is difficult to determine the actual extent of senior abuse, but senior abuse often has serious consequences for the health and lives of older Americans.
• During the last few decades, senior Americans, as well as other Americans have been active in starting their own business.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

Timing is Everything in Retirement WAKE-UP CALL Planning

10 Important Ages for Considering Retirement WAKE-UP CALL Planning

Each type of retirement benefit has a different eligibility age. Your age plays a big role in how much you can expect to receive from Social Security and what you need to do to avoid retirement account penalties. Remember to factor these important ages into your retirement plan.

Key WAKE-UP CALL Milestones for Retirement

• Max out retirement accounts at age 49 or younger.
• Take advantage of catch-up contributions beginning at age 50.
• Your 401(k) withdrawal age might be 55.
• The IRA retirement age is 59 1/2.
• At age 62, you are eligible to begin Social Security payments.
• Medicare eligibility begins at age 65.
• The Social Security full retirement age is 66 for most baby boomers.
• Age 67 is the Social Security full retirement age for younger generations.
• You can boost your monthly Social Security payments if you delay claiming until age 70.
• The 401(k) and IRA required minimum distribution age is 72.

WAKE-UP CALL [1]: Max Out Retirement Accounts at Age 49 or Younger

Workers who begin to save for retirement early in their career are best able to take advantage of compounding investment returns. Saving in a retirement account can additionally qualify you for tax breaks and employer contributions. The 401(k) contribution limit is $20,500 in 2022. Workers can also deposit up to $6,000 in a traditional or Roth individual retirement account.

“Roth accounts typically favor younger employees. The idea is to pay tax now at a lower rate, given your wages are expected to increase, and then have your investments grow tax-free,” says Rick Vazza, a certified financial planner and president of Driven Wealth Management in San Diego. “Using the traditional component of an account may be more appropriate for individuals already in peak earning years. Theoretically, they can avoid the tax in the currently high-earning years and pay the tax at a potentially lower tax rate in retirement.”

WAKE-UP CALL [2]: Take Advantage of Catch-Up Contributions Beginning at Age 50

Beginning at age 50, you can ramp up your retirement account contributions. Employees age 50 and older can make 401(k) catch-up contributions of up to $6,500 for a maximum possible 401(k) contribution of $27,000 in 2022. Those age 50 and up can also deposit an extra $1,000 in an IRA, or $7,000 in total for 2022.

“The increase to the contribution limit is fantastic for those who can take advantage of maxing out those contributions,” says Laura Morganelli, a certified financial planner for Captrust in Allentown, Pennsylvania. Making catch-up contributions allows older workers to tuck additional money into retirement accounts and qualify for a bigger tax deduction in the years leading up to retirement.

WAKE-UP CALL [3]: Your 401(k) Withdrawal Age Might Be 55

If you leave your job in the year you turn age 55 or older, you can take penalty-free 401(k) withdrawals from the account associated with your most recent job. The rule of 55 allows you to avoid the 10% early withdrawal penalty, but income tax will still apply to each traditional 401(k) distribution. However, if you roll your 401(k) account balance over to an IRA, you will need to wait until age 59 1/2 to take IRA withdrawals without penalty.

WAKE-UP CALL [4]: The IRA Retirement Age Is 59 1/2

The 10% early withdrawal penalty on IRA distributions ends at age 59 1/2. However, traditional IRA distributions are not required until after age 72. Income tax will be due on each withdrawal from your traditional IRA.

WAKE-UP CALL [5]: At Age 62, You Are Eligible to Begin Social Security Payments

You can start collecting your Social Security payments at age 62. However, your monthly payments will be reduced if you begin payments at this age. “If your full retirement age is 67 and you retire at 62, you are looking at a 30% per month reduction,” says Alexandra Baig, a certified financial planner at Companions On Your Journey in Brookfield, Illinois.

Also, if you work after signing up for Social Security, your benefit checks could be temporarily withheld if you are paid more than the annual earnings limit. “If you retire before your full retirement age and continue to work and earn more than $19,560 per year, for every $2 above this amount, Social Security will reduce your benefit by $1,” Baig says. Once you reach your full retirement age, your Social Security benefit will be recalculated to give you credit for the benefit withholding and your continued earnings.

WAKE-UP CALL [6]: Medicare Eligibility Begins at Age 65

You can first enroll in Medicare during a seven-month period that begins three months before the month you turn 65. Take care to sign up on time, because your Medicare Part B premiums will increase by 10% for each 12-month period you were eligible for benefits but did not enroll. If you delay enrollment because you or your spouse is covered by a group health plan at work, sign up for Medicare within eight months of leaving the job or health plan to avoid the penalty.

WAKE-UP CALL [7]: The Social Security Full Retirement Age Is 66 for Most Baby Boomers

People born between 1943 and 1954 qualify for their full Social Security benefit at age 66. The Social Security full retirement age gradually increases from 66 and two months to 66 and 10 months for those born between 1955 and 1959. For example, the full retirement age is 66 and six months for people born in 1957. Once you turn your full retirement age, you can work while receiving Social Security benefits without having any of your payments withheld.

WAKE-UP CALL [8]: Age 67 Is the Social Security Full Retirement Age for Younger Generations

The Social Security full retirement age is 67 for workers born in 1960 or later. Millennials and younger generations need to wait until age 67 to qualify for their full Social Security benefit.

WAKE-UP CALL [9]: You Can Boost Your Monthly Social Security Payments if You Delay Claiming Until Age 70

Social Security payments increase by 8% for each year you wait to start your payments between your full retirement age and age 70. After age 70, there is no additional benefit to waiting to sign up for Social Security.

“If you wait until after full retirement age to claim your retirement benefit, the amount you receive will be greater than your primary insurance amount,” says Mike Piper, a certified public accountant and author of “Social Security Made Simple.” “The increase is two-thirds of 1% of your primary insurance amount for each month you wait beyond full retirement age up to age 70, beyond which there is no increase for waiting.”

WAKE-UP CALL [10]: The 401(k) and IRA Required Minimum Distribution Age Is 72

Those over age 72 are typically required to take annual withdrawals from 401(k)s and traditional IRAs and pay the resulting income tax bill. The penalty for missing a required minimum distribution is a stiff 50% of the amount that should have been taken out.

Your first distribution must be taken by April 1 of the year after you turn 72. After that, annual withdrawals are due by Dec. 31 each year. Those who delay the first withdrawal until April will need to take two distributions in the same year, which could result in a big tax bill that year.

However, there are several exceptions to the required IRA and 401(k) withdrawal age. If you continue to work after age 72 for a company you don’t own, you can delay 401(k) withdrawals from the retirement account at that job until you actually retire. A qualified charitable distribution from an IRA directly to a qualifying charity can also satisfy the minimum distribution requirement. Roth IRAs don’t have withdrawal requirements in retirement.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

WHY THE BUSINESS OF THE 21ST CENTURY IS THE PERFECT RETIREMENT WAKE-UP CALL SOLUTION FOR ANYONE CONSIDERING RETIREMENT

Robert Kiyosaki (author of Rich Dad, Poor Dad) has calls this the “Business of the 21^st Century.” The following realities of today’s employment world are environmental facts of life that make this business a perfect solution for the need for more income, time freedom, flexibility, and independence:

• Changing demographics,
• The job market and economy,
• The demise of the social contract and the increasing understanding that there’s no such thing as job security,
• The introduction of easily and cheaply available Internet-based technology,
• And a growing acceptance of portfolio careers and an untethering from the physical workplace.

But we’d like to take it one step more specific to you and invite you to consider this business model from the perspective of the skills you already have installed in your professional bucket.

With an open-minded revisit of the business model, you may discover this business to be perfect for you…and you’re perfect for it. Or not. It’s up to you. But only a fresh, updated, and knowledgeable reconsideration will help you decide.

Why You Should Consider the Business of the 21st Century as Your WAKE-UP CALL Choice

1. You are paid to truly care about people
2. It leverages your inner influencer
3. It is meaningful work
4. You get to pick who you work with
5. It gives you time and geo freedom
6. You will love your work
7. You have the opportunity to earn unlimited income

Solution [1]: The Business of the 21st Century compensates you for truly caring about people.

It seems that part of a lifelong career in any industry is the process of detaching your heart for humanity from your ever-maturing professionalism.

A life in most industries has a way of doing that to you. And before long, you’re choking back the words to a younger colleague, “Oh you got into this industry because you’re a people person? Well, give it a few years.” You remember how those words broke your heart when you were young. And you promised yourself you wouldn’t say something similar to future newbies. But there they are…those words on the tip of your tongue.

The Business of the 21st Century, this your chance to get that people passion back. With this business you’re rewarded for helping others. Period. The opportunities for both you and your people are limited only by the commitment and work you’re willing to invest.

Everyone can succeed without taking away from anyone else. There are no right-sizing, top grading, downsizing, laying off, bell curves, diversity quotas, siloed job descriptions, disparate impact second-thinking, organizational politics.

You answer to only the hearts of your people. You are there to serve them, to help them achieve their goals by reminding them of their own potential to expand and achieve. It’s employee engagement beyond anything that the big consulting firms can even begin to dream of.

Solution [2]: The Business of the 21st Century leverages your inner Influencer. 

You know that power never lies in command and control. It lies in the ability to influence – no matter whether you’re talking to the individual contributor or the denizens of the C Suite.

You have developed the talent for listening for your people’s needs and motivations, and then presenting your programs, projects and concerns in a way that best appeals to your people’s driving self-interests. You know that your effectiveness comes from communicating, inspiring, and influencing accordingly.

With this business, you might say, “Yeah, but I’m not a salesperson. I can’t see myself getting excited about promoting a product.” Talk to your best corporate salespeople and they’ll say exactly the same thing. They will tell you that they are consultants helping their clients arrive at solutions that help them solve their problems and achieve their goals.

That is where the power of influence lies. And that’s a skill that you have honed exquisitely throughout your years in your industry. Here’s a great new way to use it.

And then the next step is to teach. Which is also something you’ve been doing for years already. You’ve got this.

Solution [3]: The Business of the 21st Century gives you the opportunity for meaningful work that you have been craving regardless of age. 

As you advanced through your career, your mandate has been increasingly about serving corporate strategy.

Depending on your company and your CEO, you may have been forced to leave the humanity part of your work by the side of the road. And you’ve come to discover that the soul-satisfying aspect of your work has gradually disappeared as well.

This business gives you the chance to do what you might have entered in your industry to do in the first place: Change lives for the better. With this business you’re no longer playing go-between in turf wars, sending bad-news letters disappointing hopeful candidates, telling the CEO that he can’t do that (whatever it is this week), balancing the latest regulation coming down from the state or DC with the company’s need to build a bench strength of qualified talent, firing the slackers.

Now you are providing solutions and extending hope to anyone and everyone who sees the opportunity and says, “I get this. I’m doing this. How soon can I start?”

Single parents who want to stay at home with their children. Professionals who have suddenly discovered that they are so ready for something else – like residual income that will keep paying them monthly long after they stopped doing the work. Veterans and their spouses who are rebuilding their civilian lives.

Newly arrived immigrants who are eligible to work but whose poor language skills prevent them from entering the workforce at a level they deserve.

Parents who are determined to pay for their childrens’ college education themselves, but who need that extra income beyond their salaries to boost their savings.

Baby Boomers who have discovered that oops! they’re 63 and forgot to save for retirement. Senior career professionals who want to build a meaningful, challenging, and rewarding Chapter 2 in their professional lives.

Readers who have followed our writing know that we describe meaning at work according to three primary categories: Meaningful work relieves pain, restores hope, and/or brings beauty to the world.   This business does all three.

Solution [4]: With the Business of the 21st Century, you get to work with the people you want to work with. 

You pick and choose your teammates without anyone second-guessing your selection. You’re not stuck with having to play nice with obnoxious co-workers that someone else hired and assigned to sit in the office next to you. You are building a team of hand-picked colleagues, who are hand-picking their colleagues, and so on and so on.

Solution [5]: With the Business of the 21st Century, the nitty gritty of business functions are taken care of for you. 

With this business you are compensated for teaching, inspiring, recruiting, leading, caring, sharing, coaching, organizational development, and authentically being there to serve your people. All those things you’re doing now.   Or at least would like to be doing.

But go off on your own and you’re now personally responsible for those other aspects of running a successful organization. Marketing. Advertising. Research and development. Inventory control and fulfillment. Bookkeeping. Invoicing. Corporate strategy. Employment and management of support staff. All that paperwork.

With this business all those services are done for you. You have all the advantages of being associated with a world-class corporation and staff (assuming you choose your company wisely), without having to shoulder the hassle of overhead.

Or spend your precious days doing the tasks of business management that you never liked to begin with. And with the business model that rewards you for building and cultivating a large organization of self-directed people just like you, you have the benefits of leveraged efforts that you enjoy with a self-directed, motivated staff, without the headaches, risks, and exposures of being an employer.

From an organizational point of view, it is truly the best of all worlds. Entrepreneurs intuitively get this. But I think that only people who are HR professionals can fully grasp exactly how fabulous that really is.

Solution [6]: The Business of the 21st Century gives you the time and geographical freedom to do what is most important to you. 

You get the best of both worlds: Meaningful work in the field, and a meaningful business at home that sets you up for a well-deserved retirement when that time comes.

The system is there for you, designed precisely in this way that will release you to do what calls you to do most powerfully.

Solution [7]: With the Business of the 21st Century you can like who you see in the mirror again regardless of age. 

In any corporate role in a conventional business, you will be forced to do things now and then that just don’t sit right with your soul.

Most industries are especially at risk for this. You carry around secrets and strategies that will have impacts on lives – some of them truly terrible impacts.

When you jockey for promotion, you do it with the knowledge that your advancement means someone else won’t get the opportunity. You’re forced to deliver bad news that you don’t believe in because the senior executives don’t have the guts to do it themselves.

You casually eat lunch with trusting colleagues who have no clue that inside three months they will be gone with a mediocre severance package. You’re constantly having to watch your back because you know that with a moment’s distraction, someone might be eating your lunch. That’s just tiring.

With this business your tasks include encouraging, incentivizing, inspiring, supporting, coaching, empowering, truth-telling. There is no intimidating, prevaricating, threatening, jockeying for position at the expense of anyone else, politicking, enforcing. If there is, you’re doing it wrong.

Solution [8]: With the Business of the 21st Century you can build your business alongside your full-time career and retirement activities. 

While we personally know people who changed their lives inside of a year (would a 12-month income growth from $26,000 a year to $230,000 be an interesting increase trajectory?), for most people it takes three to five years to establish a solid, grounded business that is set to generate eye-popping residual income that you can one day will to your descendants.

You will need to factor in some ramp up time. Showing the business to two people a day on a consistent basis is one way to do it. Or you can dedicate regular daily hours to your enterprise. I know one couple – she a prosecuting attorney, he an undercover drug investigator – who duplicated their combined income in 18 months by dedicating two hours a night to their business after they put their son to bed. Now they live full-time in a Canadian ski resort.

“But what will people say about me?” In earlier decades, professionals stop themselves when considering this business opportunity because of the perceived stigma around network marketing.

But more recently there are enough former business executives who run their businesses like a business, you will have plenty of role models to show you that it can be done with executive demeanor.

Your posture, calm dignity, unhurried confidence, genuine kindness, authentic smile will signal to people who you are and what to say about you. What people started saying to me inside three months of my taking on the business as an income stream: “You are looking so happy. What’s going on?”

As much as this business may be a great match for you, you’re also great for the profession. You bring to the table world-class abilities in training, organizational development, talent management, team building, culture building, leadership behaviors – all those elements of executive skills that will serve to keep this business as a profession moving on its own path toward the future. This could be the most influential work you will ever do.

ASSESSMENT

1. How are you presently doing in each of these wake-up calls today?
2. What are you doing now to eliminate each of these wake-up calls?
3. As you grow older how do you see your life as to each of these wake-up calls?

Not Sure if This WAKE-UP CALL Solution is Right for You?

We invite you to enjoy any coaching purchase, 100% risk-free.

Don’t hesitate to order and put these proven success principles to work in your life or career.

Our 30-Day Money-Back Guarantee allows you to learn, apply and benefit from our coaching risk-free.

If you follow all the advice in this coaching and you feel like you are going nowhere 30 days from now, we’ll give you 100% of your money back.

Your Future Starts Now
– Choosing Wisely
– Living the Life You Dream
– Creating a Business of the 21st Century

Reinventing Your Life After a Wake-Up Call

Answering the call is a pretty short recipe. The essential ingredients are allowed space for possibilities to emerge; take the step into the unknown; be willing to dig deep; and commit to making lasting changes. All it requires is that you pick up that phone to answer the call and take the first step.

If you are ready to begin exploring a healing journey, we’d love to work with you.

Have you experienced a wake-up call in your life? How did you respond? What have you learned about reinventing your life? What advice would you give to people in our community who are facing a turning point in their lives?

Contact us for a FREE 60 Minute WAKE-UP CALL Discovery Session that will help you decide if this is right for you.

Yes, our programs are fully guaranteed for 30 days.

Wishing your health, prosperity and abundance,

Michael Kissinger

Reitenbach-Kissinger Success Institute

Business Development Director

San Francisco, California

Phone 650-515-7545
Email: mjkkissinger@yahoo.com

Results Only-ROI and Performance Based Fee Business Consulting and Life Strategy Coaching: 

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LinkedIn::  https://www.linkedin.com/in/michael-kissinger-a66b214/ 

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