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Show highlights include:

  • Why having lunch with a friend breaks up the monotony of feeling down because you're looking for the next Apple stock (2:13)
  • How growing your bank account makes you feel empty and numb inside (unless you have a plan to enjoy life the way you want) (3:12)
  • How riding a stationary bicycle inspires you to make the retirement vacation to Japan (9:33)
  • Why watching your local high school marching band shows you how to rotate your 401K funds (12:33)
  • How spending money on fiduciary fees unlocks your budgeting plan for financial freedom (14:29)

Ready to stop doing what you hate? Go to https://calendly.com/bright-tree-financial/rapid-retire-assessment-appointment?month=2021-05  and schedule your free 20 minute Rapid Retire Assessment!

You will know on a scale of 1-10 your Rapid Retire Financial Fitness! After the assessment you'll receive a free copy of my book Paying for College in the 21st Century!

Read Full Transcript

Do you hate the thought of working past 55 or 60? Do you hate not being able to live the life you deserve today? Do you hate not knowing what your financial future looks like? It's time to stop doing what you hate, here's your host, Mr. Harold Green.

(00:20): All right, everybody. This is Harold Green Brightree financial group, and it's time to stop doing what you hate and start doing the things that love. Ooh, what are we, what are we? What are we what a week? And I'm glad to be sitting here talking with you folks today at boy's just been a very interesting week to say the least. And but I hope you've had a great week. I hope you are having a fantastic day. And boy am I I'm kind of excited to be sharing today's show with you folks. That's a little bit of a truth telling show for me. I'm pretty much an open book and you guys know that I wear my emotions on my sleeve. A lot of times. I don't know if that's good. I don't know if that's bad, sometimes good, sometimes bad. But for the most part it it's who I am.

(01:12): And so I want to talk to you guys today about something that, that I've been doing with, and I think that some of you folks are dealing with the same thing and the title of today's show is going through the motions. And you know, it's, it's that phrase is a very famous phrase, but I hear it quite a bit in a song that I listened to when I'm working out. And I just going through the motions. And that's one of those things where, you know, you wake up every day and you do the same old stuff. SOS. Everybody knows what SOS is, the same old stuff. Every day, you wake up, you get dressed, you go to work, do your job. You put your time in, you come home, you cook dinner, you deal with the kids, you deal with your spouse. You deal with yourself, you go to bed and you wake up and you do it all over again.

(02:08): And again and again. And sometimes it just, it just drives you nuts. And so I kind of felt lately, like I've been going through the motions and I, I wonder, what is this feeling? I normally don't feel this way, but maybe it's because I had a tough week. Maybe it's because I've dealt with some stuff that I'd normally don't have to deal with. I don't know, but I was having lunch with a friend of mine yesterday and we were talking and sharing and we, I believe iron sharpens iron. So if you have a really good friend, you can go bounce things off as a sounding board. It's always a good thing to do. So for me, trying to find balance on my life. I said, you know what? I need to start to throw these, you know, the golf rounds in there, the, the lunches with clients and friends and just doing something different to break the monotony.

(02:55): So I don't feel like I'm just going through the motions of the same, same old day in and day out. I mean, it can drive you, it can drive you nuts. And so we're talking. And I shared with him that this week in my firm, I just broke a major milestone. I mean, it is a huge milestone that, that I've been working on for the past few years. And I finally accomplished the goal and I said, be man, you know, I'm extremely excited for the accomplishment in regards to how it relates to my clients. And because I've made my clients a lot of money, I've grown their portfolios quite a bit. And because we're talking about investments, investments do carry risk of loss. All investments are speculative in nature. So do your due diligence and past performance is no guarantee of future results.

(03:48): You have to understand your risk score and have that stuff analyzed so that you can make the sound proper investment decision. Bam. So I put that little disclosure out there, but I've made my clients quite a bit of money and, you know, they're, they're pleased with my performance and I'm just all around happy for them. I said, but, but what does it mean for me? Why do I feel so, so empty inside? I mean, this is a major goal. Why do I feel so numb about it? Like what gives, I mean, I should be dancing on the rooftop going out and celebrating, but I don't, I don't feel like that. And I said, what is it? Is it probably because of this pandemic that we're going through? A lot of us are emotionally spent emotionally burn. And there's a lot of talk about finding a new normal, but I'm like my old normal was fine.

(04:41): I don't like it. I don't want a new normal, I don't like this bull crap of having to wear a mask all the time. And this bull crap of having to tell my clients, you know, here are the protocols for coming to the office and then having to go certain places and present a, a vaccine card. Like that's all, that's all I understand. But to me, it's all bull crap. I understand, you know, and I'm not going to disagree with it, but, you know, from a safety perspective, I, I understand all of that. I understand all the intent that goes into it from a professional standpoint, but from a personal standpoint, I just think it's, you know, somewhat bullcrap, right? A lot of the science is not being followed and I'm not going to get political with this crap, but it's causing a lot of stress.

(05:21): It's causing a lot of pain. It's causing a lot of confusion, right? The left hand doesn't know what the right hand is doing. And so it's just making everybody just uneasy. Some people are, are becoming unhinged. And for us going through the same old thing day in and day out, day in and day out, not being able to enjoy life. And I said, you know, I said, that's probably what it is. I'm not able to enjoy life the way I want. So I'm going to have to do something different so that I don't feel like I'm going through these the same emotions day in and day out, because we could be dealing with this for the next two or three years, who knows how long we're going to be dealing with this, but it's teaching me something very important. And I'll share with you what that is as I, as I go throughout today's show.

(06:05): But boy, that was a big milestone. And I'm like, you know what? I have these goals written down on a piece of paper and they're under my desk by the garbage can. So nobody, nobody knows they're down there except me. And from time to time, I'll go down there by the garbage can. And I'll look at my goals that are posted on a post-it note on my desk. Sometimes I'll take them out and look at them again. And then when I hit a major milestone on there, I'll write the date that I accomplished that goal. And and what the amount was or what the amount of that goal was. And then basically the next one just doubles up. You know, it's one number that I hit, boom, look at the next number. It's double that. And it's like, oh my God. And why do I set such a lofty goals for myself?

(06:49): Why do I set such high standards for myself? You know, I just feel like it's, it is what it is. And you only got one shot at living this life. And you might as well make the most of it. There's a lot of people that just settle and, you know, they don't like where they are. They hate doing some of the stuff that they do, but they can't figure out how to stop doing what they hate. They could because they can't figure out. They just accept it. And a lot of times, because they're accepting that they're mad at you because you won't accept the same old, same old bull crap every day. And I got news for you. You don't have to, you don't have to. So I want to talk a little bit about some of the things that I do to help break the monotony.

(07:31): And I'll be honest with you. If you're going to be successful in life, you're going to have to do some of the same old stuff every day. You're going to have to, I mean, anybody can tell you what it takes to be successful, but to be honest with you, it's hard work. And it's normally, you got to do that hard work every day, every single day, every day, you got to put in the work every day, you got to get up and you've got to get it in. Right? You got to go get it. And that's why I say 1, 2, 3, let's get it. Probably didn't say that at the beginning of this show, but 1, 2, 3, let's get it. You gotta get it in. And so how do you break the monotony? How do you switch it up? How do you change up the game? How do you do things a little differently?

(08:12): And just so that you can stay in it and stay emotionally engaged. Sometimes you gotta to stay physically engaged in things. And I do believe in balance, but I also think that you can't be like today, I'm going to work hard and tomorrow I'm going to goof off today. I'm going to work hard tomorrow. I'm going to move off. It don't work that way. It don't work that way. I know it doesn't work that way, but I know it don't work that way. If I can say that it don't work that way because it's like your car one day and you go off the next day and then you got to, you're flipping the switch off and on, off and on, off and on. That's a momentum killer. And if you've ever been in sales, you know, the most successful thing you can do is maintain that momentum that will carry you to the next deal, to the next deal, to the next accomplishment.

(08:56): You got to maintain the momentum. Yes. I understand. There's days that were missed, but days of rest should only come after you've gone through days of extreme exhaustion, like giving it everything that you got. I'm not saying kill yourself, but you got to get it in. And how do you break the monotony? Well, I got to exercise to lose weight. I got to eat right to lose weight and to get in shape. All these things have to be done constantly. And I can't really take a big break because I haven't reached my, my milestone goal yet as far as my weight and stuff like that. So I look to the future. That's one thing that you can do to help break the monotony is just kind of daydream about the future. And one of the ways I do that, you know, and not only daydreaming, but just kind of talk towards the future and just think towards the future and plan towards the future.

(09:52): Think about some of the things that you want to do and the future, and then latch onto those things. I'll tell you a funny story. I have a exercise bike, a pre-core stationary bike, and I bought it from my wife actually, because she, she has like the skin condition and when she walks outside and she's in the sun, she'll get like these horrible rashes and stuff. And so, you know, the doctor's like, you gotta, you know, be protective and cover up and wear certain types of lotions and stuff. And she's having a real difficult time with this mask because she can't keep it on her face no longer than so many, so many minutes before her freight face breaks out. So it's just horrible or whatnot. So I bought it for her and then she's like, yo, this thing hurts my hip or whatever.

(10:35): And I can't write it. And it's, it's hurts my knee. And I was like, okay, it's it's mine. The bike is mine. So during the pandemic, I would take the bike inside the laundry room, or I would ride it outside on the Lanai or whatnot. And but when I'm in the laundry room, I'll close the door and I'll, I'll be working out real hard. And, and a lot of times, I mean, you're on a stationary bike and you're not really going anywhere. You know, it's like, it's like marking time and I'll talk about marking time and your financial plan and a little bit, and then your portfolio. But it's like, it's like marketing time. And so I'm writing this thing and I'm like giving it everything I got. And then I'm like, I'm running on a juice. And all of a sudden, it just hits me deep down in my heart and I yell, ah, Japan.

(11:22): And then it's like, I'll get all juiced up because I'm thinking about the time that, you know, I want to go to Japan and I want to live there partially throughout the year. And I love Japan. I love not everything about it, but certain aspects of it that makes me want to come back. It's like playing golf when you hit that good shot, you want to keep coming back more, but like riding a bike. And it's like, ah, Japan wife was like, what the hell is wrong with this dude? So after I got off, I had to, I said, honey, that's how I break them up. The monotony, riding that bike for an hour or whatever it is. And, you know, giving it everything I've got, I'm thinking about the time we can go back to Japan and the time we can go there and enjoy and relax and just, I'm looking forward to those things.

(12:04): And so, you know, if you're going through life and you have to do the same thing every day, and it's, it's something important that you need to do. You gotta break the monotony. You got to think of things to, to say to yourself, to, to do, to, to break the monotony because you may not have an opportunity to go sit down somewhere for three weeks and disorder everything out and think about your feelings and your emotions. You gotta stay engaged in. And so you got to figure out, you gotta figure out how to break the monotony. I want to switch it up for a minute and talk about your financial plan. Do you feel like inside your financial plan, you're going through the motions and doing the same old, same old stuff, putting the max in your 401k, just doing whatever somebody tells you to do.

(12:46): Do you feel like you're simply going through the motions, if you do, you just might be. And in this market that we're in right now, one of the things you're going to have to do is you're going to have to rotate your portfolio. You can't just keep putting monies in your 401k and hoping that someday that market will even out and it'll it'll level out and you know, you'll, yeah, that's true over time. But the question is, is how much more money could you have made or potentially lost. But I want to look at it from the positive perspective, how much more money could you have made if you were to rotate it, your portfolio inside your 401k. A lot of times there are no fees to do that, right? You can just change your funds or whatnot, or sell stocks. And if you have the ability to sell stock in your, in buy stock in your portfolio, there may be some peace with that, but I'm sure there are minuscule and compare it to the overall picture.

(13:34): So if you're holding certain stocks in your portfolio and they're going, like they're trading sideways and you're not really paying attention to it, and you're marking time in your portfolio just to be in marching band. And one of the things that would do to say mark time, mark, and you would just March in place, March in place, you're expending all this energy, but you're going nowhere. You're putting your, all this money in your 401k and it's going nowhere, right? Well, what if there's other stocks in your portfolio that you should be buying? What if there's all the opportunities that you should be rotating into because there's going to be this constant push and pull between growth and value and growth and value and cyclicals and blah, blah, blah, back and forth and back and forth. And you know, the way you make money is you, you rotate out of this stuff, that's not performing.

(14:16): And you rotate into the stuff that is performing. And you have to look at the metrics and understand the fundamentals and look at that technicals and all of the other stuff that goes along with it, the dirty work, right? You got to do that dirty work. You got to put time into it. But a lot of people, they have their everyday job. They have their everyday job. They have the family to take care of. They got the kids, you know, the kids, they got their personal things. They may have community stuff to do. And so a lot of people aren't really looking at this stuff. And so they're kind of marking time. And if you're marking time in your portfolio and your marketing time and your financial plan, and you're just doing the same old thing, same old thing, same old thing. You got to think, man, is there something I should be doing differently?

(14:52): And someone told me this the other day, Harold, the reason why I do this, because I don't know what else to do. I don't know what else to do. And I said, well, you just made a great point for hiring somebody that knows what to do. Well, you know, I don't know about that. You know, and, and you know, you're going to charge fees and yes, I charge fees and I don't work for free. Yes, all of that is important. But you know, I, I share with people that, look, if I don't create value for you in the first six months, frickin fire me, I don't deserve to be on your team. If I'm not creating massive value, that covers the fees that you pay me, please fire me, call me and say, heroine, you know what? You're not doing your job. You're not doing what you said you were going to do.

(15:34): You know what, and I will, I will apologize for that. I will make excuses and trust me, I will not abandon you. I will not abandon you like that. And in today's world, there's so many people that make so many convenient excuses as to why things aren't working, the way they work. It's unfortunate. And I don't want to abandon my clients and just feed them a line of bull crap and make excuses as to why I can't get the job done, you know, because I'm a professional and there's a lot of things that I can do. And one of the things I do is I do a lot of research and we have these tools available to us that are quite expensive, right. But I can go in there and punch in certain criteria. And this thing will find stocks for me. I don't have to scour billions of stocks on my own.

(16:16): The software will find the stocks I'm looking for. And then also have to do is plug in them in to the system and then analyze them and figuring out the best ones to put into my client's portfolios. And so those are some of the things that I do and this, I do charge fees for that. Because as I say, if you are a busy professional and you're working, you have other things to do other than sitting there trying to analyze your own stuff. Some people are good at it, but I'm just for the most part, the clients I work with are, you know, they're happy they have families and they want to leave this up to somebody who's watching it for them, checking in on them, making sure they're okay, making sure the plan is on tracking to make sure we are not marking time.

(16:56): And when the market does crazy things, that's when you can take advantage of the opportunities. There's buying opportunities in the market. So if you're out there and you're sitting there marking time and you feel like you're marking time, you're not going anywhere. Give me a call and let's talk about it. That conversation is free. And if you want me to analyze your financial plan, analyze your holdings, I'll do that for 3 75 per hour, and then I'll package deal it for you and give you two hours for the price of one to, you know, to give you some more extra value. And then from there you can take that plan and go do whatever you want with it. Or you can bring it back to me and I'll implement that plan for you for a fee. And we charge quarterly, our fees are quarterly and there's a financial planning fee.

(17:35): And then there's an investment advisory fee. Yes, there are fees. But to tell you, you know, if you have goals and you have dreams that you want to accomplish, we must put together a plan. Otherwise they're just going to remain hopes and dreams and someday in the sweet by, and, and you know, some people say, well, if God meant for this to happen, for me, it will happen. And all these crazy things that people say, and I'm not putting you down if you've ever said that, because I've said some of that stuff too, but I know that those things, aren't really the way it's supposed to be. It's like taking your court case before the judge. And if it's not written up the right way, and you're not following the proper procedures to judge is not going to hear your case. It's the same thing with, you know, praying and stuff.

(18:13): You know, if you don't have those prayers lined up a certain way, according to how, how God wrote stuff out in the Bible, that's just how I believe in how I've experienced it. You may be saying stuff that just is not heard. You know, so I'm not trying to offend anybody or anything like that. I'm just sharing with you my experiences and what I've learned and the things that I've put to the test and have found to be true. And that's the way you, you see if something is going to work, you put it to the test and you test it to see if it's true. And if it's true and it's working, that's, you know, most likely that's the way it's supposed to be. But again, I'm not trying to put anybody down or beat anybody up or anything like that or dump out anybody's Kool-Aid, that's where I come from. You dump somebody Kool-Aid out, man. That's algal fight right there. Cause it's, you know, Kool-Aid, is it, it's a precious commodity in my household when I was growing up. So don't, don't mess with the Kool-Aid. And so I'm not trying to dump a bunch of Kool-Aid. So, but anyway, it's been great sharing with you folks today looking forward to seeing you or talking to you on the phone and until next time everybody, one, two re let's get it.

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