davidNprogress

I can still remember when I first read The Millionaire Next Door. I was new in my career having moved from my small hometown to "the city" (Oklahoma City) to start my adult working life. This was the early 90's and there was a recession going on. For some reason, there did not seem to be much of a demand for people with a degree in Government from a small college and work experience that consisted of being a janitor at a hospital.  I had tried to find a job for many months before I finally was offered one by Cellular One as a call center collections agent. The starting pay was $14,000 base with a possible $3,000 bonus which turned out to be the absolute minimum I thought I could survive on.  Flash forward just a couple of years later and I hear about this book that tells stories of how average people with an average income ended up being very wealthy. At the time, the primary learning I took away was that most millionaires did not drive Porsche 911 or wear an Italian suit...

This week I read the wonderful obituary of a man known simply as "H". His actual first name was Harold but based on the description of his life I get the feeling that he lived it with such gusto that he simply did not have time for the formality of his full name. "H" Now that is a man you can hang out with on the front porch while sipping a cold one or bushwhack through a jungle on a grand adventure. I kind of imagined what it would have been like to meet him for the first time. Hello, my name is Harold and I move pretty fast so all my friends just call me "H" and since pretty much everyone is my friend that is what you can call me". Nice to meet you "H" Here are just a few facts there were listed about his life: Born 1934 Met the love of his life in 2nd grade and was married to her 54 years before her passing Grew up on a 125,000 ranch near Mexico Started work as a roughneck at the age of 12 Went to college on a scholarship...

This weekend is the 25th anniversary of the OKC bombing. At the time, I was a government account salesperson for Cellular One and many of the people in the building were my customers. I would go to the building several times during the month to meet with people, deliver devices and perform other activities. On the day of the bombing, I was working at my desk to shore up a presentation regarding the Cellular One disaster support plan. My manager and our sales team served on a committee comprised of local first responder leaders including the fire chief, 911 center leadership and others. My role was mostly on the device side as I was in charge of creating an inventory of standby phones that could quickly be dispersed in the case of a disaster. Hard to believe, but back in 1995 phones were not as commonplace as they are now and our sales team needed to work hard to convince public safety officials on the value behind the need for cellular communication. I was at my desk...

It seems like it was just yesterday that we were at work with friends, co-workers, and the long talker that would trap folks for what seemed like hours to tell a random story about their weekend. Suddenly the world has changed and all of that is gone as millions of us have suddenly found ourselves forced to work from home. For those of us at home, our role now is to maximize the time to be the best possible worker we can while also balancing whatever may also be going on in the house as we deal with stir-crazy children, barking dogs and the reality of spending 100% of hour time with our family. It will come as a surprise to many to learn that the transition to working from home can be difficult. First, there is the design of the job itself. Your company may not have previously used tools like Zoom, Webex, Skype and others to connect workers with each other. Fortunately, these can be learned quickly if you have a tech leader that can help others to adapt. Next is the work at...

Last year I created a video and wrote a blog post challenging people to start each day in a state of gratitude and to write down their thoughts of thankfulness. Now with the growing pandemic and fear about where this is going to take all of us I see gratitude as more important than ever. I have to be honest. At the start of all of this, I went into full got to work hard and got to stay focused mode. I forgot for a very short time to take my own advice and spend some time each day reflecting and be thankful. Gratitude is the enemy of fear. No matter what others may be feeling or maybe doing, for each of us there are many reasons to be thankful. This morning I pulled up my list and the memories flooded back on of the past times and people that have brought such joy in my life even when times were hard. Reading the list and reflecting on all the years of good resulted in a wave of joy and positivity. Have you got gratitude? Are you clear on the many blessings that are in your life ...

Toilet paper aisle at a local Wal-Mart on March 15th  What a time we are living in with the Covid-19 virus hysteria that is in progress where I live and around the country. It seems that things are changing almost minute by minute and for sure what we have been experiencing is historical. There has been a stock market crash, rush to buy goods including toilet paper, “social distancing” requiring events and businesses to close down. Now millions of people are working from home and schools are closed. The list just goes on and on. It is not an exaggeration to say this feels very much like a fictional disaster movie. Group panic and group fear is a real thing. It is not out of the question to imagine people fighting over food items as this has happened already over--toilet paper. Meanwhile, there are even fake news stories out there about things that have not occurred which are intentionally trying to magnify hysteria. With a state of emergency declared, it would not be su...

I am a long-time listener of the Dave Ramsey show going back to when I first started getting fired up about being out of debt. We hit that milestone several years ago and thanks to his show being available 24x7 now on iHeart radio, I still listen often for motivation and information. After more than 20 years on the radio, Dave is consistent with his message and his method. Quite frankly, I wonder at times if some of the people calling in with questions have ever actually listened to the show. There are certain callers that every time are ensured to get blasted as they tell about the money mistakes they have made and their non-Dave approved strategies to fix them. Most recently I was listening when a fellow called in that was asking about what do with his car debt. As a recall, he was making less than $60,000 a year, had little savings, credit card debt, and payments on a $40,000 truck that he had purchased new. Through the radio, I could almost sense Dave’s blood pressure rise ...

I met my wife over 26 years ago as a result of a blind date and our 24 year anniversary of marriage was last week. That simple lunchtime together led to more dates, marriage, a child and wonderful life that has had its fair share of ups and downs. Through it all, I have striven to be as good of a partner and a husband as I can. I have often failed to live up to my own standards and have tried to take in my inner lessons to be better with every year. It is almost cliche’ for some guys to joke about having married up but I can tell you for sure that is the case for me. I often feel unworthy of this woman I get to spend my days with and want to ensure I am doing my best to live up to being the man she deserves. This week is the start of our 25th year of marriage and a good time to reflect back on what has made our marriage a success and mistakes I have made along the way. It takes a proactive effort to live a life together that thrives through the grind of day to day living and...

The time is now Conner is starting his final fall semester of college and will essentially be done with his degree at the end of this semester. The spring will bring his capstone class, graduation and the start of being fully on his own. It is the dream of every parent for their child to grow up and exceed the life they have lived. We want our children to have an amazing life with a good job, a loving family, financial success, adventure, service to the community and a heart for God. I grew up without strong dreams for all of these things and yet somehow ended up blessed to have much of them. Could I have done more and could I have been more? Absolutely! Nonetheless, we have done our best to live our lives as a positive example for our son and fully expect that he will move on to excel in his own way on his own journey. The path to this point has not come without adversity. Conner is a survivor after having experienced the great trama of his cliff accident his senior year ...

Have you ever seen the movie, Gladiator? It is one of my all-time favorites and I have watched it many times. The lead character Maximus is one of those guys every man would wish to be. He is a true man’s man that is willing to die in the name of honor as he seeks to avenge the death of his beloved Emperor and family. My favorite scene in the movie takes place as Maximus is standing in line with the other Gladiators awaiting his first fight in the grand coliseum of Rome. Slowly he rubs some soil in his hands and soon after a terrified man in front of him pees on himself out of fear. There is no fear in the heart of Maximus. Instead, there is a steadfast resolve to face whatever challenge awaits on the other side of the gate. Soon after the epic arena battle has been won the evil Emperor and murderer of his family asks “who are you?” And here is his famous answer : In many ways, I see this as a picture of the battle that is our lives. Every day we are stepping into a...

"I have told you these things, so that in me you may have peace. In this world, you will have trouble. But take heart! I have overcome the world." John 16:33 Life is a series of up and downs and if you are not currently fighting a storm I can assure you that one is on the way. It is easy while in the midst of a difficult time to forget all that we have in life to be thankful. That is one reason that for many years now I have begun most days with a mindset of gratitude. Most mornings and especially on Mondays I make an effort to reflect on the many things I have to be thankful about in my life. How can I have a bad week when there is so much good around me? I try to affirm daily the good in my life and begin my day with thanks for what I have now and the opportunity to have even more in the future. I do this with a prayer thanking God for the present blessings in my life and for the opportunity a new day represents. Doing so only takes a few minutes of quiet ...

Imagine you are standing at the end of a washed-out bridge with people blindly driving your way all unaware of the fate that will behold them if they do not change their direction right away. You would, to the best of your ability, do all you could to get them to stop and go another way. As a 50+-year-old genX-debt free-cancer survivor, I feel this way about many topics. Marriage, parenting, health, career, finances are all areas that by this point in life I have learned many lessons. Some through my own great mistakes and many through educated hard work successes. My strongest obsession now for several years is a desire to retire without want. The journey began early in my working life when I first read The Millionaire Next Door. I was at the time single and making less than $25,000. It was amazing to learn at my young age that there is a path to wealth even for the average person.  That seed of hope was small and at the time did not take full root other than to get me ...

I can still remember that morning as if it were yesterday. I was in the shower as usual and while washing under my arm I felt a lump. After just a few moments of pressing, there was no doubt in my mind what it was. Cancer Cancer was not a stranger to me as I had a mole removed from my back that was melanoma five years before and my mother had passed away recently after several years of her own battle. So strong was my concern, that prior to asking Michelle to marry me I had visited the oncologist to ask about my own risks. He told me at the time not to worry and go live my life. Little did I know that this same doctor would design the battle that was to come in an effort to keep it. I got dressed that morning without saying a word and dropped eight-month-old Conner off at daycare as if nothing was wrong. Next was a call the oncologist and a visit to hear from him. In the exam room the dr. pressed under my arm to confirm the lump was indeed there along with a second s...

Our family spent a few days in Colorado recently and it was wonderful to soak in the cool mountain air and view the beauty that can only be found in the great American west. I have kiddingly said many times that my happy place is on a mountain rock contemplating life. On this trip, however, I took the time to realize that my happy place is really not a place at all. It is a moment. It is a simple time on the couch with my wife talking about our whacky dog. It is a conversation with our college-age son about his current success and plans for the future. It is that moment on the bike side by side with others striving for personal fitness while enjoying some great comradery. It is at work when a new employee shares excitement about starting a job here and what it means for their life. Happy is not a place. It is an ability to recognize the small moments that really make this life worth living and taking time to smile at the moment. As a new week begins, I am challenging myse...

There are many men that when they pass a certain age lose their way. Statistics show that divorce rates and depression for men after 50 are growing with male suicide rates now peaking after 50. Little is known as to the reason why but my best guess is that many men turn to this decade of life, join the empty nest then look around and say, “now what?”. Looking back there were once dreams of big jobs, big houses, big bank accounts, and small waistlines. Instead for many men we look around and find life has not quite turned out as expected. We think “Retirement is coming but I have no plan” “Our child-centered marriage has changed and left my wife and me with little in common” “Our friends were based on our child circle and they have moved on” “The job of my dreams is now just a grind” “The body I see in the mirror is of an old man. The athlete in me is gone” “Now what?”  “Now what?” Most men by nature keep these deep fears to ourselves and avoid sharing. If not addresse...

“If you want to live like no one else tomorrow, you have to live like no one else today” -Dave Ramsey A saw a statistic the other day that said the average American consumer is carrying over $7,000 in credit card debt. The skyrocketing cost of college has also resulted in student loan debt at 44 trillion dollars with an average debt load of $37,172 for each person. These numbers do not include other debt “normal” people carry including a mortgage and a car. Add all of these elements together and you can understand the pressure people are feeling regarding their finances. It seems most folks see debt as just a part of life. “You will always have a car, credit card, and a house payment” Really? Is this statement true? Why! Having been 100% debt free now for four years and I can without a doubt say it does not have to be that way. It is possible to get out of debt and to stay that way. Really, since being out of debt I find it very hard to imagine digging a new hole for my fut...

Many years ago when I was a young man new in the corporate world met a fellow that was just about to retire. I remember he was super old like 55 or something (I am 50 now) and had a plan to hike the Appalachian Trail. I do not recall his position with the company but I am sure it was not an executive-level or anything like that.  Learning that I was a new parent, he decided to give me some advice on how to have a happy career and retire early. He told me a story about a high school friend of his at a recent reunion that had given him a hard time about not having climbed higher on the corporate ladder.  “I congratulated him on his career success and then asked him a few questions”  “How many times have you been married?” The answer was 2 “How many kids do you have?”  The answer was 3 with two from the first marriage and 1 from the current “Do you pay alimony and child support” "Yes" “Do you see your kids every day?”  "No...

I still remember the day I realized that my daily diet coke habit was stealing my retirement dreams. At the time, Coke was running a promotion using a code from a bottle cap to get prizes. You would save your cap, enter the number on a website and points would add up for something fabulous. I kept these caps in a desk drawer and it did not take long for these to really pile up since I had a long time frequent habit of visiting the machine at work several times a day. There was the before work Coke, mid-morning Coke, lunch Coke, mid-afternoon Coke and usually something towards the end of the day. One afternoon I looked at the pile of caps wondered how much in cost that represented. Next, I began to think about cost over time and if I continued this pattern what it would mean in the long term. The final kicker was when I plugged in my average monthly diet coke spending into a savings calculator and considered how much $5 a day applied to retirement could mean if saved for the ne...