yes…you really can retire now

My wife’s family came from very humble beginnings and when they didn’t have enough money to buy good pieces of meat for dinner (which was most of the time) they would buy cheaper stew cuts and make it in a soup. When they didn’t even have enough money for those pieces of stew they would just have vegetable soup for dinner.

My mom remembers her parents would make the little meat they were able to afford feed more people buy grinding it and mixing it with potatoes and the less money they had the more potatoes went into the mix.

The point of these two stories (and similar stories I’m sure you’ve heard from members of your family) is when money is tight, people adapt.

Replace the words “I can’t” with “I choose not to”

Whenever I hear someone complaining how they can’t retire now they tend to be speaking from a place of anger or frustration. I understand. When I’ve complained about how I can’t get everything done or can’t accomplish a specific goal I did because I was frustrated.

When I changed the words “I can’t” with “I choose not to”, however, everything seemed to change.

“I can’t get everything done” became “I choose not to get everything done”.  One is spoken from a position of frustration and one is spoken from a position of control.

“I can’t retire” becomes “I choose not to retire”.

I choose not to retire now because living near my family in a high rent part of the country is more important than being retired but living far away from my family in a part of the country where real estate is cheaper.

I choose not to retire now because I enjoy the finer things in life and don’t mind working as a way to afford them.

I choose not to retire now because my mortgage is not yet paid off and I don’t want to retire with that payment.

I choose not to retire now because my income allows me to help others.


What about you?

What happens when you replace “I can’t” with “I choose not to”



How the earning, saving and spending of wealth affects various parts of our lives.

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