10 Resolutions in ’16: Simple Steps to Your Financial Best.

Most likely money is at the top of your resolution list – Whether it’s to increase savings, pay down debts, find a new job, purchase a house or auto, financial aspirations abound in January.

Resolutions start strong. Unfortunately, as the novelty of a new year fades, so does motivation to stick to a list.

happy new year vintage

What if I told you that financial goals don’t need to be onerous to make an impact to your bottom line.

Millstones, as I call them, lead to milestones. You’ll be empowered, less frustrated if you keep your financial improvement list simple.

Here are ten ideas to consider for 2016.

Finally ditch the brick and mortar bank. An unusual event occurred after the Federal Reserve raised short-term interest rates by a quarter-point after seven years of holding steadfast to a zero interest rate policy. Several banks were quick to increase lending rates to creditworthy customers but kept deposit rates unchanged.

Historically, deposit rates on savings accounts, certificates of deposit, and money markets tend to correlate with changes in federal funds rates. Not this time. Savers lose again. In 2016 take a stand. Transfer your emergency cash or savings to a virtual bank. Online banks are FDIC-insured and with less overhead costs, offer attractive yields compared to a bank with physical bank locations. Several offer ATM fee rebates, too. Check out Nerdwallet’s list of top high-yield online savings accounts.

Keep an eye out for yet another refinancing opportunity. I know – Most financial ‘pundits’ are claiming higher interest rates in 2016. I see a sluggish economy ahead. Since mortgage rates are driven by demand and moves in the ten-year Treasury rate, don’t be surprised if 2016 provides another chance to refinance your home mortgage. A decision to refinance should be based on additional monthly savings and how long it will take to breakeven after closing costs. An easy-to-use refinancing calculator is available at www.zillow.com.

Initiate a balance transfer. According to Nerdwallet, the average American household carries $15,355 in credit card debt. Be proactive in 2016 and move your high-interest debt to a balance transfer credit card. If your household credit card balances are $5,000 or greater, consider reducing retirement contributions to the company match and direct additional cash to paying off credit card debt.

Use smartphone applications to save on purchases and track spending. Make technology your financial partner in 2016. Use the Mint app to track financial activity, Shopkick to browse products and find deals at major retailers. Download Ibotta, an Android and IPhone app that allows users to unlock rebates to earn cash on purchases.  

Buy off-season. Maintain an ‘off-kilter’ sense of finance. Purchase holiday décor and greeting cards after the respective season. Think Christmas cards in January. Shop for real estate during winter, summer items in the fall, and so on. Thepeacefulmom.com has thoroughly researched and lists by month the best times to buy everything.

Do a better job protecting your identity. Avoid public Wi-Fi to access secure information or shop, password protect your electronic devices and check your credit card statements monthly for suspicious activity. Place a freeze on your credit files with the three major credit bureaus. Before applying for credit a freeze can be removed easily using a password or PIN. There may fees to initiate security freezes. However, costs are nominal ($5-$10) and worth it to protect against identity theft. The Federal Trade Commission offers a FAQ  page to make it easier to understand how credit freezes work.

Check your credit report. Every January make it a habit to check your credit report for free at www.annualcreditreport.com. Examine your report closely for discrepancies and rectify promptly with the credit reporting agencies. The Consumer Financial Protection Bureau outlines common credit report errors to identify.

Curb your impulses. Make 2016 the year of the wait. Before a purchase of greater than $50, delay for 7 days. If you still want the item or service after the wait period, move forward. Holding off will reduce impulse spending and allow you to think before spending. Seven days has been an effective time frame from my experiences with people I counsel. If super-ambitious, wait 14 days. If you can’t wait days, at least give the decision 24 hours.

Purchase a shredder. Simple identify theft solutions remain effective. Shredding documents should be an ongoing exercise. Shredders are inexpensive. Invest in a micro-cut shredder for maximum security protection. I’m shocked by the number of times I’m told that shredding seems unnecessary. Throwing intact personal documents, bills, statements in the trash is asking for trouble.

Develop a money principle. Dig deep. Early in the year is a great opportunity to develop or fine-tune a money philosophy. Keep your thoughts short. Make them passionate. Consider how money fits positively in your life and what you can do to reach goals, control spending, reduce debts or earn a higher income this year.

Financial resolutions are strongest when simple. Consider these 10 small steps to financial enrichment and live a fiscally healthy new year.

 

 

The Shuffle: How To Make The Best Out Of Those Gift Cards.

 

A version of this writing appeared on Nerdwallet.com, Money.com & NASDAQ.com.

Every year a staggering $1 billion in gift card balances remain unused according to www.cardhub.com.

No wonder retailers love them. They rack up the sales.

Consumers get shortchanged by their own actions!

This year it’s time to be smarter and maximize the use of gift cards.

Here’s how:

Spend the entire balance at once. Consumers want their gift cards to last as longer as possible. We have a strong tendency to ‘hoard’ balances until we forget the card, lose track of the balance or the card expires.

Unlike having a saving or spending discipline, this is your time to SPLURGE.

splurge

Spend the entire balance at once. At a single location. Make a list of what you plan to purchase and go for it.

Go over the line. Here I am a money guy advising you to spend! Don’t attempt to be too cute and come in at or under the limit of the gift card. Remember your goal is to spend every dollar and not add to the $6 billion in unused balances. Set a boundary. I recommend 10-15 dollars above the limit to assure you’ve fully exhausted the balance.

Employ a smartphone partner. Through the free RAISE app you can sell your gift card balance (for a discount). Also, before you shop a favorite retailer check RAISE first to see if discounted gifts cards are available.

For example, I had a client find a $100 gift card to Home Depot for $65.

What a deal! Use gift cards year round to shop.

Request or send eGift Cards. Trash the plastic! EGift cards are electronic gift cards delivered through e-mail, text, social media or mobile applications. Most digital gift cards can be used in stores.

They’re easy to send, receive, and most important your balances can be tracked real time which means you’re more likely to spend your balances in full.

Check out www.giftcards.com, a comprehensive hub of information on how EGift cards work, how to personalize them, how to redeem and which ones top-ranked.

Set your own gift card expiration date. Forget the expiration date mandated by the issuer (yes, gift cards may have expiration dates). Set your own. I suggest no longer than one month from the date the gift card was received otherwise the odds of a balance going unused forever increases greatly.

Once your personal expiration date has been reached, sell your balance at www.cardcash.com. Recently, I reached a personal expiration with a $50 Kohl’s gift card. I sold it for $41.

Just follow three steps to get an offer, submit your gift card information, receive money once the order is confirmed and the card’s balance is verified. Quick and easy.

Over $138 billion is spent annually on gift cards. Sales are expected to grow at least 6% annually through 2017 according to the latest CardHub statistics on the gift card market.

So, a gift card balance should never go to waste again.

Not on your watch, anyway.

on watch

5 Ways To Be Pet-Savvy & Money Smart This Holiday.

A version of this writing appears in MarketWatch’s Retirement Weekly.

puppy antlersThe stockings full of toys and treats, new collars, novelty costumes, sweaters, holiday photographs and personalized tree decorations.

The list can take a bite out of your holiday budget.

This year I polled 500 pet owners and discovered they’ll spend a record average $125 on their wet-nosed companions this holiday season. An increase of 13% over 2014. According to the American Pet Product Association, Americans spend in excess of $5 billion dollars annually on holiday gifts for pets.

I’m guilty of overspending. It’s not only my fur family that gets spoiled. Animals awaiting good homes in shelters benefit from my generosity, too.

It’s easy to get carried away as spending on our pets generates feelings of well-being.

I discovered ways to be in greater control and exercise money smarts this season and yet still fulfill my need to pamper and delight.

Here are some money-savvy ways to collar your pet spending for the holidays.

Random Thoughts:

Upgrade food and treats to reduce long-term pet care expenses. Don’t skimp on the quality of food and treats to save money. Here’s why – Pet healthcare costs are increasing at a rapid rate. For those I counsel, roughly 11 percent a year.

Nutrition-dense, high-quality foods may keep your pet healthier for a longer period and help you minimize large medical bills later. Think of it as part of a preventative health regimen for your four-legged brethren.

Chemically-processed food is disruptive to pet health.  According to the International Boarding & Pet Services Association, better food provides an overall boost in the immune system and improved health over the long term with less stress on a pet’s organs. The cost of higher quality food over the life of a pet will be offset by lower veterinary bills and reduced risk of health issues that are a result of improper nutrition. Meat or meat meal should be the primary ingredients with minimal grains.

There are several ways to save on the cost of quality pet food and treats. The simplest way is to receive e-mail updates directly from the manufacturer. For example, www.merrickpetcare.com is a high-quality provider. They provide special offers and product updates for consumers who join their mailing list.

Shop online at www.petfooddirect.com for sale items on name brands and save at least 15% when you establish auto-ship on many high-quality varieties of food and treats.

Investigate pet insurance options as you shop for holiday deals. Years ago, I was against medical insurance for pets. Policies were expensive, choices were limited and not enough medical conditions were covered to justify the premiums.

My opinion has changed.

As healthcare expenses have skyrocketed, pet parents have become vulnerable to financial risks that come with major illnesses and emergencies, some that add up to thousands of dollars. Without insurance, an increasing number of people have had to make heartbreaking decisions when up against the potential financial impact of cost-prohibitive medical treatments that could have prolonged the lives of their pets.

The pet insurance industry has grown 13% every year since 2009. Most likely a result of the Great Recession as American families have limited ability to take on large pet-related health costs. It’s best today to mitigate risk through the use of insurance.

Search for a policy using www.petinsurancereview.com. The site has a helpful ‘compare pet insurance features’ grid which outlines reimbursement amounts (after deductibles), payout caps, deductible amounts, monthly costs, limits and items not covered.

Keep in mind – it costs more to insure dogs, pre-existing conditions will generally not be covered (so best to obtain coverage while your pet is healthy), you will pay a deductible and the most policies do not cover preventative maintenance like vaccines, heartworm prevention and annual checkups. The ones that do are not worth the higher premiums.

Monitor what you spend on holiday novelties and outfits. The cost of holiday-themed toys and cute outfits can dramatically eat into your budget. It’s not uncommon for pet parents to splurge on holiday-inspired garb without a second thought to price. Pet retailers will sell out of most of their inventory weeks or months ahead of the holiday. They rarely need to place the merchandise on sale which shows how passionate we are about dressing up our pets for the holidays.

Your best bet to save big bucks on holiday dress-up and goodies is to search deals online and purchase items post-holiday or off-season. I discovered the best clearance deals at www.doggieclothesline.com, www.baxterboo.com and www.petmountain.com.

Tis’ the season to avoid big veterinary bills. We have a tendency to overindulge during the holidays. Sweets (especially chocolate), turkey bones, adult holiday beverages and fatty, spicy leftovers may sound good, but they can cause health issues (some dangerous) for pets and unforeseen expenses for us. Seasonal plants and decorations accidently ingested can cause health issues, too.

Holiday safety tips are available at www.aspca.org. Just type in the word ‘holiday’ in the search box adjacent to the donation link.

And speaking of donations:

Consider a charitable gift to a pet-friendly organization. Whether it’s the ASPCA, a local animal shelter, or an organization that spay-neuters homeless dogs and cats like SNAP in Houston, a 501(c)(3) non-profit agency may make you eligible for a tax deduction.

Charitable contributions are deductible if you itemize. Generally, contributions can be deducted up to 50% of adjusted gross income for qualified public charities. Consult IRS publication 506, your tax advisor or ask a representative for the organization you wish to benefit.

Pets are family. Unfortunately, they’re also becoming luxuries for some households as costs to keep them healthy and happy continue to trend higher than the general rate of inflation.

A money-smart attitude will keep you out of the financial dog house year round.

cat holiday

Spend Your Way To Happiness: Five Ways To Do It.

Random Thoughts of a Money Muse

I read 75 books a year.

Thank god for Kindle where I can highlight and store notes.

Don’t hate me.

It’s an illness. The thirst is quenched temporarily and it drowns me too.

I’m a slave to words. They own me.

Like good food or great conversation.

Sharing sparks with others; absorbing energy from people smarter and passionate than me.

I can’t get enough of the moments.

I’m nourished and starved at the same time.

book crazy

Associate professors Elizabeth Dunn and Michael Noonan who wrote the book “Happy Money: The Science of Smarter Spending,” outline research which shows how money can do a better job of buying happiness – if you spend it right.

This book sticks with me.

Can you get a bigger bang for your happiness buck?

print your own

I think so.

How?

Random Thoughts:

1). Buy experiences. Research shows that spending on experiences edges out purchasing stuff as experiences…

View original post 529 more words

Doors you Open. Doors you Close – Four Ways to Know the Dangers.

Random Thoughts of a Money Muse

At 4:45am. Every day. Even Sundays. She smelled like cherries. Sourced from somewhere. Her hair. Her skin. Her moving silhouette near a window, a small lamp reflecting on a sheer, white nightgown. I can see from the doorway. I can feel her spirit.

Not real cherries. Well, they were from nature. Once. Before the sulfur dioxide and calcium chloride polluted them. Transformed them into a syrupy, cherry-like Frankenstein concoction called Maraschino. That was the scent I detected. It hung heavy in the hall. In the mornings. Every morning. Seventh floor of a majestic, tall apartment complex.Ocean Parkway. Brooklyn. 1975.

Maraschino Sexy

I exited the elevator below her. Always. Floor 6. Nerves. Excitement. Fright. Anticipation – Mrs. Antolini’s donut breakfast. Strategically tucked. In a corner. Where the welcome mat joined the bottom of the front door. A brown paper bag. Inside a glazed beauty – carefully (lovingly) wrapped in wax paper. Precious…

View original post 961 more words

10 Shots At A Life Worth Living From The Rifleman.

“Guns don’t make you strong, they make you hesitate and respect the value of human life.”

Lucas McCain

With a foundation in New York, now a life (or mid-life), in Texas, I’m sensitive to the frenzied disparate bombardment of opinions.

About everything.

On social media it’s North meets South, again.

Gun control, border walls, homegrown terrorists. Workplace violence.

Kim Kardashian.

Donald Trump.

Rhetoric, vitriol.

Electronic bullets.

People blown to bits in 140 characters or less.

Makes me realize.

People are shooting off their mouths indiscriminately.

The world needs The Rifleman more than ever.

Let’s return to September 1958, shall we?

Turn the clunky black dial flush to a rich, mahogany console. Fire up the RCA Victor, boys and girls.

TV tubes resonate a low hum. They sound like the wings of a thousand agitated bees until a black & white moving picture emerges. Out of nowhere from behind thick glass.

 

RCA 1958

No matter how clear the picture, a perpetual cinematic room for a clearer clear exists. You toil endlessly with dual rabbit-ear antenna rods.

Feverishly you orchestrate two straw-thin antennas, stare at the screen. Stop. Work again. An awkward tango with thin aluminum arms. You’re expecting magic. Only you know when it’s found.

Battling rabbit ears is lost to the annals of American household pop culture. The endless search for medieval high-def is history. Dead.

Warmth seeps in on air waves. Vacuum tubes that resemble bulbous laboratory vials glow yellow. Heat rises. Conjures a musty, heady aroma from a warm brown felt grid stapled to the back of the set.

Cozy up to a screen of the thick glass. Watch your arm hair come alive, tingle to attention from static electricity.

You feel good all over.

And then.

Mom bellows from the kitchen because of course, she knows everything.

“Don’t sit too close, you’ll ruin your eyes!”

The Rifleman, a half-hour western drama, ran for five seasons: 1958-1963. Prime time on ABC.

Chuck Connors portrayed chisel-jawed Civil War veteran Lucas McCain. A widower raising a young son Mark McCain, alone. Building a life, a ranch, in the fictional town of North Fork.

I feel the ladies fading fast.

“I don’t like westerns.”

OK, The Rifleman is officially a western. You got me. However, life lessons roll larger than thunder arteries blistering the clouds in Oklahoma skies. The  guns, bullets, dust, horses, and saloon brawls are set dressings for stories of challenge and perseverance. True grit.

Now, let’s get those ladies corralled into readin’.

A 6’6″ Lucas McCain holds a rigid stance against the searing heat of nature. Overworked boots. Heels in dry dirt. His broad shoulders glisten wet under the blistering New Mexico summer. The straight-line high blue gushes the same color as his eyes. Jaw clenched in determination, he removes his hat, the felt brim dark with sweat.

The salty sting in his eyes feels good. He’s alive. One with the land. His land.

Cotton is wet-heavy. A blast furnace against his skin.

Soaked with the fire of his toil.

He pauses to toss his shirt. Abruptly, it lands with a thick thud and soaks the parched earth underneath. A seldom breeze lands cool on his back. At 37, Lucas is fit, perhaps more so than a decade earlier.

His bare torso is lean. Working the earth, relishing the ‘sodbuster’ way of life has made him hard in body, sharper in mind. His farming a cleansing of where he came from, buried under black-pitch soil mixture of the present. Hopeful yet guarded for the future.

For him.

For Mark McCain. His boy.

Lucas reaches for a nearby bucket. Drinks deep from it. The sweet liquid from the ladle is lukewarm but invigorating. He carefully pours the precious liquid over his upper body. Drops embrace and crawl down his tired muscles.

The anterior of his right shoulder is tight but pliable. It had to do. Only a short time for a breather. There are more chores before sunset.

Lucas returns to his regimen. The thick spade handle grips small in large, callused hands. It comes alive. Ironically, his hands could kill yet it was easier to save a life. Grow it, too.

rifleman one

Whew, the ladies have returned.

Lucas McCain. A man of determination and wisdom formed by serving as Union lieutenant in the Civil War. Behind steeled eyes that witnessed the worst of the human condition, Lucas McCain became a master of placing himself in another’s veins. He knew when to strike and when, as a man of wisdom, back down.

Yea, there’s much one can learn from watching, no observing, The Rifleman.

rifleman three

Random Thoughts:

Shot #1: How much pain will it take to release the truth inside? 

The emergence of your internal compass, a definition of truth as it breaks away from the fence lines of long roads traveled. How does this happen?

An uncompromising life philosophy.

What I call “Rifleman’s Awareness” is not born of happy or pretty.

It’s not of sunshine.

The source is internalized writhing maggots. Thick layers of spilled blood that attach to every cell. A tight-wedged coagulation of unhealed festering wounds that slither from unresolved torment under relentless pressure. A billion lifetimes in the making.  The rot of past trials go back that far.

Sharp enemies of the past, the ones that carry and cut with rusted blades, never die. They continue to pierce until an injured limb goes numb and severed. At that point, you’ve won against fear and pain.

The opportunity has arrived for you to crush hideous demons into beautiful diamonds.

Nothing can hurt you. The higher plain is no longer fallowed grounds but an endless bounty.

You must learn to train these devils to do your bidding or allow their disease to stick to you. Consume who you are. Who you can be. Until you’re dead.

The Rifleman corralled and controlled internal torment. He could aim and fire the perfect dose of justice every time. His skills with a rifle were legendary. Known for miles. His words were delivered with similar velocity as bullets.

It’s safe to assume from binge watching  what moves Lucas forward is life earned (and learned) –  a bloody war, the loss of a spouse, a vigilance over his only child.

It can take years, decades (perhaps never) to develop a personal truth, an internal guide that motivates daily actions. The release of wisdom from a greater guide than self is an exhausting, ongoing process.

Beliefs that seed in the soul can break away to help you conquer the renegades in black hats. The gatekeepers. The enemies. When forced to protect everything you hold dear, those seeds will grow to mighty oaks.

Your personal rule book will be lived only after you’ve tamed the beast of fear. That mastery comes from confronting and melting the freeze that is born of it.

But first, you’re going to need to understand who makes the rules and why.

If you feel sick going into work every day, ostracized for disagreeing with your boss, shunned by co-workers, well then you sort of know already.

You’re walking the path of The Rifleman.

Recently, my friend and greatest teacher James Altucher wrote about personal rules on Facebook.

You see, he appears to be a nerd. However, he’s a self-aware rifleman (armed with pen and a waiter’s pad):

ARE YOU FOLLOWING THE RULES?

The government has rules.
Schools have rules.
Society has rules.
Parents and then family have rules.
Relationships have rules.

I tried to follow all the rules. I was a good boy.

Sometimes it’s hard to keep track. The rule book is too big.

And then I got the phone calls. Why didn’t you follow that rule?

I don’t know. It didn’t make me feel good.

Well, if the only thing that is important to you is feeling good you would just kill and steal and lie to people all the time.

Why would any of that make me feel good?

Well, what does make you feel good?

Talking to you on the phone makes me feel good.

Aside from that.

Walking outside and looking at people. Feeling the last remnants of sun on my cheek before the winter comes.

Being kind to someone when they least expect it. Surprise makes me feel good.

Knowing that every now and then I can still make my teenage children laugh.

I gave a talk a few months ago and I heard my youngest laugh. That is the best feeling I’ve ever had. She laughed right after I said something that felt like it was breaking the rules (I forget the statement: I was describing either lying or stealing or saying something about my mom).

Seeing the smile of a woman up close after a first kiss. That makes me feel good.

Being with friends who love me and I love. Anybody else…and I don’t feel so good. I feel sick.

Feeling like I’m improving at something I love. Because that grounds me and let’s me enjoy the company of others with the same passions.

Feeling like I need less than I thought I needed. Because needing less allows me to float into the sky without feeling scared, without feeling burdened to the ground.

Feeling always like I’m exploring.

Writing something really really awful. Because who gives a fuck.

Like this.

—-

So many times I hear from people who say: I have to follow the career (or marry the person), my parents want.

Or someone says: I have to go to college or nobody will give me a job.

Or someone tells me: you should be around these people. They can help you succeed. (But I don’t like them so what should I do?).

Or someone says: I want to have ten million dollars to relax. And own a big home so I can feel roots.

Or someone says: You have to vote in order to have your voice heard in society.

Or someone says: I feel stuck because I can’t quit my job because I have all of my family responsibilities.

I built a prison for myself also. It had triple locks. It had lots of guards. It had solitary confinement when I was bad. I didn’t much like my fellow prisoners but they were in here with me so I figured I would be with them.

I felt ashamed when I broke the rules of the prison. When I went broke. When I didn’t take the career I was supposed to.

When I didn’t return the calls or network with the right people or when I quit without warning the job I didn’t like or lost the homes I could no longer pay for.

Or when I was thrown out of school or when I didn’t pay the IRS or when I didn’t love enough the people I was supposed to love. Or the things I have done when I was so scared about money I thought I would go broke and die.

Or when I tried to live in a homeless shelter just to meet women or when I demanded love back from the women who didn’t love me or when I cried because I was scared that my life would disappear and nothing would be left behind.

This was solitary confinement. And it was lonely and I was afraid.

And one day I walked out.

And nobody ever saw me again.

That is some Lucas McCain kind of shit.

Lucas McCain Shooting

Lucas’ motives are consistently noble. No. Perfectly noble. Even when he’s left little choice but to use his modified Winchester Model 1892 to take out villains, he is delivering  justice. His guide is a higher calling. A shiny key to living a life in the rough.

When you do a Lucas on who or what threatens you (and you will; rifle not required), be noble in your intentions. Standing for something you believe in is important to not only you, but to others.

Half-assed nobility is better than none.

I worked for (was enslaved by) Charles Schwab. Plainly speaking, my perception, my code, defines them as bad guys in white hats. Difficult to detect a rotted underbelly unless you’re homesteading within their bowels for a spell (cowboy lingo).

They hide behind edicts created by terrifying gatekeepers and spend hundreds of thousands of dollars on vigilante attorneys to intimidate and in many cases, destroy others. They’ll lie in cold-blood to slaughter the warm blooded.

They live to frame you for horse stealing or cattle rustlin’ and immediately call for your neck in a noose and a swing until you’re dead.

Underneath their so-called ‘code’ rolls an insidious dark residue of unethical dissonance. I know their employees work in fear. At least 100 of them have contacted me. They reach out from the shadows. Punch smartphone keys from hidden places. They ask me questions about how to break free. I’m happy to provide information.

It’s part of who I am. Help others. Don’t ask or seek anything in return.

I cut the wire fence. I spoke out. I did a Lucas McCain.They tried for years to wipe me out. High-noon style. I was willing to go broke exposing them. Ultimately, they were exposed for who they truly are. I’m still damaged. It’s fine. I learned. I won.

Oh, I forgot to mention: Every noble effort requires spilled blood. Your own or others. Not literally, silly. Well, perhaps, but let’s not go there. Could be money, an internal organ, a relationship.

Be prepared to lose something close or dear to you.

However I now live according to my own definitions. Rifleman-style.

Most likely, aggressively staking out villains is not for you. I don’t recommend it. Like The Rifleman, know when to take pressure off the trigger.

Those with personal codes think clear. Even under tremendous stress. They’re in control. Admittedly, I’ve made mistakes. Lucas rarely outed the rogues or took violent action unless those he loved or he, was in danger.

Recall what James wrote: Walk. Never be seen again. Fleeing from a cancerous environment can prevent well, cancer. Or worse. A long meaningless life within an unhealthy, suffocating environment.

“There’s dark corners in everybody’s lives. Sometimes it’s doesn’t pay to poke around in them.”

Lucas McCain

Like Lucas McCain did on several occasions, retreat from the gatekeepers. But walk with your front to them. Don’t take your steeled glance off them.

Don’t blink.

Never trust the fuckers.

Heed The Rifleman: Sometimes it pays to stay out of dark corners.

Be at peace. Take your ego out of it and understand you cannot change those who harm others even if they do it unintentionally. However, you have a choice. They can’t fathom a choice. In their minds, their worlds, there are no other roads.

Hey, you can move to another town (North Fork is coming along).

Perhaps you require more time, life experience, sorrow, regret, before you act. That’s OK, too.

Your time will come. No need to exhaust all your ammo right now. I’m not saying you won’t need to fire multiple shots. I’m saying it’s not required for every situation.

You’ll choose what’s right. Live to die. Or die to live. Codes don’t need to be complicated. Simple and powerful will get the chores done every time.

Go ahead: Get ready to fire your first shot. Tap into the diamond of your greatest powers. What are your personal beliefs? The ones the gatekeepers seduce you to believe cause grief for them and great obstacles for you.

The ones that scare the rule makers out of town.

“The rules tell me I can shoot. My own rules tell me that I hate gunfightin’ and will avoid it until I can’t.”

Lucas McCain.

Shot #2: Be Lucas McCain for only an hour a day. What you tell your brain, it will believe. It’s that simple. For an hour a day be – The Rifleman. Embrace his spirit of uncomfortable wisdom. Navigate a tough, admirable road you’ve been afraid to travel.

Like my friend Tanya. She’s battling a bully. She’s relentless to seek justice against a predator and helping other victims to speak up. The episode has affected her health. However, she’s steadfast and has a deep passion for justice.

The Rifleman lives in Tanya.

Like her, take one uncomfortable action that will draw you closer to understanding why you were put on the planet. One heroic act before you go.

Never be afraid to question your personal code. Lucas did. He was willing to listen when people he trusted advised him of a misconception. He kept an open mind. He was seasoned enough to adjust his thinking. Humble enough to apologize (and mean it).

 

badlands one

People tell me The Rifleman isn’t real.

I call those renegades out at high-noon to face their bullshit.

Perhaps I’m immersed. Too deep in writing for television. Regardless, fiction and fact are cut from two sides of a blade. One man’s reality is another man’s fiction. Fiction and fact co-exist and shoot from the same barrel.

One hour a day to heed a higher calling, an enriched life.

Not much to ask.

See those eyes? Lucas McCain is watching (I advise against resistance).

rifleman steel eye

Shot #3: Don’t let bad guys off the hook until (unless) they have proven change. Lucas’ history collided with his present, often.  He knew he couldn’t escape (for long) the bad inflicted on people or the horrific marks others have left.

In many episodes, the karma coach rolls into town. Like a wagon wheel across the mid-section. Straight out of the Oklahoma territory.

Lucas’ dark place.

Ironically, the beasts entered North Fork frequently (drama folks, is good television). At times, he overreacted to their presence. He relived what they did to him. Like it was yesterday, he recalled their evil behavior.

Those who had proven redemption were forgiven. The others? Well, a dead-eye trigger finger took care of them. Lucas believed everyone could change, even the vilest of characters. If not, western justice was served.

You’ve lived long enough to be fooled by the bad guys. I bet they outnumber your good souls 2 to 1. Most of them can’t change. Too far gone. You can’t shoot them. I wouldn’t advise it.

Unless ‘The Purge’ becomes a thing, then go for it. I keep my ‘purge’ list fresh.

Hey, you never know.

The purge two

Nah, you don’t need to resort to anything ugly. As a matter of fact, even under the intensity blasts of an August New Mexico sun, beauty will eventually appear out of the dirt for a patient sodbuster.

The strength in beauty bursts from heat. Cold is death.

Heat is life.

So don’t forgive the bad ones. Whatever you do. Don’t let them off the hook. Forgiveness just for the sake of it, for nothing, is death by ice. A soul in deep freeze. It signals you’ve given the bad ones a free pass. It’s you crawling belly down through the tundra, all the way cutting your gut open, dragging entrails.

Forgiving those who never seek redemption is a crime against your own heart.

Forgiveness foolishly exposes your hand, weakness. The seasoned poker players of North Fork would shoot you dead before you back away from the table. Embrace the anger. Let it take you. Allow it to scorch a personal path to victory.

The anger furnace will fuse your internal organs into barbed wire. Every cell grows sharp and deadly. You’ll become a master at detecting the presence of those who put your mental health at risk and seek to drain precious internal resources.

Because if you don’t learn, it’ll keep happening. Until the darkness saddles up alongside you and sticks to you forever like the spiny wings of Canadian thistle.

Back to our regularly scheduled program…

One early Saturday morning, Marshal Micah Torrance found out some disturbing news.

Micah

A woeful cloud recently rolled into town.

And he needed to think fast.

Or a friend’s life held in the balance.

Behind heavy-iron lattice of a lawman’s office office, Micah appears to require Lucas’ assistance with reinforcing a shelf to the deep interior of the middle jail cell.

For 62, the silver-haired lawman is surprisingly swift in gait. With Lucas holding the shelf against the wall, ready for the marshal to secure it, Micah makes his move.

Backwards exit.

On quiet footfalls. Steady. Micah clears the heavy cell door, shuts it quickly with a loud clank. Lucas at first believes his old friend is reciprocating a prank that embarrassed Micah the night before.

Far from it.

Micah was protecting Lucas from himself.

Reef Johnson was back.

Reef Johnson.

Once Lucas’ best friend.

Until.

He shot him in the back.

Until.

He left him to die.

Until.

He attempted to steal Lucas’ wife.

Ten years had gone by. For Lucas, it was a minute.

It was said that Lucas and Reef could pass for brothers back then.

A decade later, Lucas cared only about one thing.

To find this man. Track him. Destroy him.

No pass go. No collect $200. Just a death wish fulfilled.

Locked behind the cell door, the rage in Lucas’ eyes turned bars into molten steel.

“Micah, let me out of here. NOW!”

Tough lives roll the travails of revenge road.

Both parties lose a piece of themselves in the gravel. Their souls forever connected in a demon’s gambol. They spin and grind worn under the passage of time, or death.

Or confrontation.

From behind stark-black lines of shadows. Into dust-frizzed daylight that slivers through wooden slats of an old barn wall, a man emerges from a distant corner.

Tired of running.

As the enemy moves into half/dark half/light, Lucas full of anger, gun sharp and raised. He is a thick step closer to get a better look at the fire, his invidious focus.

As slit light slashes across Reef’s face you can’t stare. You can’t look away.

His hair matted, disheveled.

Deep lines across his cheeks, facial skin as sallow as worn leather.

“I’m here, Lucas. I can’t run any longer. Kill me! Get it over with!”

This man. What’s left of this man. A man who once resembled Lucas McCain, smooth of youth, clear of eye was nothing but a shell. He looked 77, not 37.

Lucas lowered his rifle. Revenge no longer held captive the ready grip on the trigger.

“Lucas! You can’t leave me like this! Please!”

As The Rifleman created distance between himself and that barn. That place where his anger ceased. The place he left in silence, yet heard the screams for miles…

He realized.

What he felt was pity.

The heave in Lucas’ chest was sorrow.

This wasn’t forgiveness. Release wasn’t forgiveness.

Never forgive those who shoot you in the back and leave you to die.

Time and the universe will take care of those villains in the proper manner.

In due time.

Sit back. Tend to your fields. Nurture the ground.

Be patient.

rifleman four

Shot #4: Forge strong financial boundaries around you and yours.

The financial landscape post-Great Recession is enemy territory.

Oklahoma badlands.

Your money isn’t safe.

There’s not enough barbed wire to protect the homestead.

And the soil. Underneath the dirt, a bounty in stocks for 6 years or so, is over. Frankly, many retail investors didn’t participate in the 159% total return of the S&P 500 off the March 2009 bottom, anyway. They’re still trying to recover from the 2000 tech wreck and a flat-lined market from 2000-2013.

It’s still a whirlwind ribbon of dust.

Lance Roberts, Clarity Financial’s Chief Investment Strategist revealed his truth, discovered his rifleman years ago through his thorough, no-spin analysis of the stock market and the economy.

Refreshing. Rare.

The accounting magic used to prop up earnings, the foolish optimism of estimated earnings, profit-margin reversion.  It’s all here, folks.  You want fiery shots of wisdom in your gut? Read it.

And people call The Rifleman fiction and the stock market reality.

It’s silly, isn’t it?

pensive

Lucas is not amused by this information.

You shouldn’t be either.

Shot #5:  Always teach and always expect nothing in return.

One of the greatest rewards in life is teaching others and expecting zero.  It’s a positive rate of return to the world, the universe. It makes the stars shine brighter above a blue-black New Mexico sky.

The Rifleman shares memorable words, bits of shotgun-wisdom with his son Mark. He never holds back. Even when Mark doesn’t quite get it.

Doesn’t matter.  Eventually Lucas’ invaluable guidance kicks in. On occasion, it saves Lucas’ hide.

 

“How can a man be so good with animals and so mean to people?

Lucas McCain: That’s a sign you’re growing up.

Mark McCain: What do you mean, Pa?

Lucas McCain: The older you get, the more questions there are without answers. ”

lucas and mark

Today, I teach young investors how to not get killed by the buy-and-hold investment mantra and how true diversification includes investment in personal education and health.

I guide gifted financial services pros away from big box financial retailers and direct them to havens that have fiduciary intent. It’s a part of what I do. They’re my Mark McCains. My kids. I set them forth with noble intentions and a different world view.

How will you teach today? Who will you inspire?

Will you seek nothing in return except the stare at the stars in the sky?

Shot #6: now the difference between dumb fear and smart fear. Those who are reckless with your heart, your money, your emotions. Predators who dig beneath your vulnerability and then rip you apart from the inside, should be feared and avoided.

Individuals who have a track record of apathetic and non-empathetic behavior should never be allowed on the ranch.  You’ll know them. You’ll be sickened by what you’re feeling. You’ll ignore what your intuition is telling you.

That’s plain dumb fear. And that will eventually leave you out in the desert with no water.

Vultures circling. Dead meat. You’ll crawl to safety but some part of you will be gone forever.

However, smart fear will keep you alive.

How do you develop smart fear?

Unfortunately, smart fear only comes with experience and knowledge.

You’ll require a construct. Questions are a solid foundation for said construct.

Create a simple framework to identify, fortify your defenses against enemies.

Start small. Big results.

All you need are three questions to get to the heart of anything.

My humble opinion.

Here’s a trio I use for dating (based on personal experience – yours will indeed, differ).

Let your inquiry flow naturally. You’ll become The Rifleman at separating friend from foe, now from forever, life from death.

How would you describe your long-term relationships with friends and family?

Big one. If she doesn’t have any close ties, or they’re full of weird sexual or resentful experiences I’m dodging a bullet.

Have you ever broken off an engagement? 

Sure, nobody’s perfect: I’m just looking for an inability to commit, serial monogamy. Murder. “He fell from the upper deck on a Carnival cruise.”

How many times have you accused others of something you’re guilty of yourself?

Somewhat inflammatory. Granted. On purpose. We’re all guilty. I’m seeking to get a handle on frequency, accusations, assumptions. “Never” is not a good answer either.

Three questions.

For everything.

To create a personal SFDS – Smart Fear Detection System.

“It’s the price you pay on staying alive and in your right senses, it’s manhood. And I can promise that when you come to the far end of it, you’ll raise your old hands to bless this wonderful life you’ve been given, taken all together with the roast beef, and the moon rises, and a boy and his father riding out in the morning, after you’re grown up to be a father yourself.”

 

Remember – SMART FEAR SAVES A LIFE. YOURS.

Shot #7: Get in or cause trouble for the right reasons.

My favorite bullet. Hits me in the heart every time.

There’s a point in your life where you don’t give a shit any longer about what others think. You’ve been living your code. Those who fit in stay. Those who don’t, go. Life gets simpler. You begin to figure shit out, you begin to help others figure shit out.

The ranch is humming along, the crops are bountiful, the soil is the right composite, the enemies are at bay.

Then there are times when the trouble in your life resembles weather systems. When the turbulence begins, you also know it will pass. Makes it easier to deal with the aftermath, the cleanup. Healing.

And you can create your own weather. Spark your own thunder as the needs arise. For the right reasons.

Shot #8: Don’t be afraid to confront a person with their truth.

Lucas will place himself in precarious situations. Smack in the middle of the rough.Tip toe on the blade.

He’ll go out of his way to wake people up. Help them understand their truth. Most of us live in a state of denial. We hurt others, we lie, we make promises, we kill, we have little empathy and yet we want to be perceived as ‘good’ people.

Frankly, most people are assholes. They use you for what you can provide and then move on. That’s fine.

But make sure to tell them they’re assholes and deal with the consequences.

Perhaps you’ll enlighten. Regardless, you gave them some shit to chew on whether they like it or not.

Shoot the asshole a verbal bullet. Then walk.

You know how to eat shit, right?

Best not to nibble.

Bite, chew, swallow, repeat.

Because if you deliver, you’ll eat it, too.

Comes with the territory.

Shot #9: Learn when somebody confronts you with yours.

If you dare to shoot, you must be willing to be shot. You can’t protect yourself from a gunfight. The key is for bullets to graze, but not kill.

You must respect your opponent, however. That’s the key.

Hey, if you’re going to learn a tough lesson best to get it from a person you respect for whatever reason. Doesn’t need to be a grandiose reason. There’s just something about this individual you admire.

When Lucas shoots his mouth off and Micah gives it to him straight, Lucas doesn’t like it but he listens because he respects the marshal.

“Lucas, I think you’re wrong about this one.”

If someone provides constructive criticism, it’s acceptable, normal, to hate it at first. It’s fine to feel the sting of the words like bullets, and bleed out.

Right there on Main Street, North Fork.

Just as long as you step back, dig out the fragment. Feel the pain. Examine it. Ponder why you were shot. Was it one of the best shots of your life?

Learn from the bullets that hit and take you off balance.

Just as long as you respect the shooter.

Otherwise it’s an enemy and you need to return the blast.

Rifleman-style.

Shot #10: Stick your neck out for those you love. Place your neck in the noose if it means someone you love remains happy, moves on, sticks around.

What else you got?

Sacrificing a part of yourself for someone you cherish isn’t a bad thing. It’s walking like McCain.

I did it for clients and a fiduciary right to care for them.

You’ve done it for children. Parents. Friends. Animals.

Recognize, remember, reward yourself for sticking your neck out for those you love.

Heck, you’ll be called horrible things. I know.

You think everybody loved Lucas?

Why do you really think he needed that rifle?

lucas rifle

The thing in this life is to stay alive. Ride easy.

Like in the old west.

Lucas McCain never spoke the words at the start of this blog post.

As I write dialogue for television I place words in mouths of fictional characters. The commentary would have been delivered perfectly however. I can hear the deep-baritone voice of The Rifleman resonating right now.

You don’t get endless shots at this stuff because eventually you’re in adult diapers and drooling into a liquefied breakfast.

Give yourself a number. I chose four.

Four bullets in my rifle.

I believe Lucas suffered from overwhelming, lasting grief that he channeled into something bigger than himself.

Last, I learned from Lucas that death isn’t frightening.

Bad memories?

Ghosts from the past?

Now they’re frightening.

They haunt, relentlessly.

Yet there’s something good that arises.

When the demons dance.

They create.

Riflemen.

Dedicated to radio host,  veteran broadcaster, all-around good guy and most important: Hard-core “The Rifleman” fan – Gary McNamara. 

Special mention to dear friend Tanya Bilisoly, Austin realtor extraordinaire who is taking on a bully, living her “Rifleman moment,” right now.

 

 

Why You Must Embrace The Darkness In The Window.

Status

He walks the parameter. His gait is firm, deliberate. Boots firm along the detritus that rises away from where earth meets rolled steel.

Dry underneath.

No blood mud.

At night the Georgia sky acts as a boundless amplifier.

The vocals of the dead embrace the clear. They strangle and replace the sounds of nature and absorb into the black pitch of forest decay.

Guttural moans shower from the pine tops in bloodletting cascades.

The steel girders around the complex of Alexandria might as well be toothpick. The walls, tissue.

He stops. He doesn’t believe in the wall. Yet thankful it’s there. For now it stakes a boundary between the then and now.

Life and death stagger along the same carpet of forest pine needles.

Quiet. Then a rising. The world is ripping itself apart in harmonized human, once human voices. A death train on the tracks. Only in brief moments does the drone of cicadas and crickets provide white noise to drown out the necropolis in the darkness.

The anguish of rotted cords are like a smooth-running turbine oiled in coagulation. It replaces the warm sounds of autumn with an off-tuned death prattle. 

He’s slipping. He knows. He hears the good. Listens to the evil.

Sooner or later the mind cannot separate fact from fiction. The barricade between them is a membrane pulled like taffy between sanity and insanity.

“I understand. The light and dark, the safe and the danger, can no longer be separated. The deep lines between them are gone.”

Rick places his ear against cold metal and listens to hell on the other side. He places his hand against steel. The wall vibrates a low hum against his palm. It speaks to him. He feels what it says.

“Safe is an illusion. No longer be fooled.”

It’s night. Past 11. He can’t sleep. The moon-shine exposes dread in his eyes.

He’s lived on each side of the wall for so long, in his mind and heart. He’s felt safe when he shouldn’t. In the world around him where good and evil co-exist, he believes the blackness is winning. It’s only a matter of time…

He speaks. Softly to no one. 

“I can’t tell the dark from the light anymore.”

Rick at walking dead wall

A character development analysis for the AMC hit drama “The Walking Dead.”

*******************************************

Right around 6pm. In the blue-orange shade of autumn dusk, the terror is restless.

The dark flows. It creeps on spider legs in a pendulum moving across the sky. It waits its turn. Away from low-evening sun’s reflection.

Slivers of black stay small in the shadows of a harvest moon.

shadow moon

Behind rows of single-pane glass, a ground-floor visual to the playground long ignored and overcome by ravenous scrubland. Built with good intentions. To entertain children of a post-war Brooklyn baby boom. Those kids were never to return. Grateful to be gone. I envied the ones who got out.

Good intentions were lost on the youth of the 70s who perceived the location as treacherous as parked cars along Shore Parkway. When the odds of Son of Sam shooting you in the face were just too great to risk the adventure.

A leprous, asphalt square, bordered by shake-chain fencing, littered with weeds (they seemed to live forever) and crushed beer cans. The shriveled after-life of condoms. Squirly, white rubber slip bottoms longed to push you from the earth. Return you closer to…

Spot droplets trapped in bottles of Boone’s Farm’s finest brew. The acidity of alcohol and apple close enough to your nose to water the eyes. Jagged glass longing to take out your eyes.

son of sam

After all, black sky, urban muck and human dredge combined are not for the timid. Best to be inside before nightfall. To keep out the demons, I used roofing nails through shabby wooden window frames to fortify my bedroom from intruders.

A typical (atypical?) 8 year-old boy’s bedroom: G.I. Joe. Nestled in the map room of his official headquarters. Every horror plastic model kit Aurora molded. Seams glued tight, parts painstakingly painted, proudly displayed on a desktop.

aurora monsters

Clear 100-watt GE luminaries (5) drowned the room in electric fire.

GE Bulb

White walls merged to sharp lines. Electric blaze magnified the reflection of gloss lead paint in the corners. Enough to make me squint.

I imagined the wall blades as swords. They were to slay the evil that gamboled among the cracked and pocked foundation beyond the bricks. I know they cavorted on fossilized wood of busted teeter totters. Day-glo orange paint appeared to be nibbled away from the ends of the sees. And the saws. Now, jagged like spears gnawed on by night creatures with sharp teeth.

I fooled myself into believing that I could protect against my fear.

In my mind, they were there. The strangers. Their stares real and imaginary, froze my blood. Through the pane they would enter. Eyes first.

Darkness was how the guilty busted through the membrane of the innocent. Eager to steal everyone and everything you love. Because people got killed in the black. Oh, there was plenty of death in the daylight. I could deal with that. Not afraid.

In the dark things changed. Danger was just more dangerous in the dark.

darkness eyes

The ice tumor block in my femoral told me so.

At 8 years old, my panic rose as weak sun slid below the horizontal dirt line where the feet of bums and other suspicious characters met piles of dog shit along McDonald Avenue.

My insomnia lasted years. I rarely slept.

I walked a quiet hallway most nights until dawn. White socks slid across cheap slat wood to cause less creak. A lingering odor of heavy shellac blasted my nasal passages.

I watched my parents sleep. Not sure how my mother slept through dad’s apnea.

Thinking: “How could they with all the horror about to break loose?”

Hell, I was dreaming “The Purge” before it ever became a movie idea. I should be a fucking billionaire already. Jesus.

The Purge

My transistor AM frequencies remained hot all night. With robotic and manly yet comforting resonance, the overnight voices working the microphones at New York’s “all news all the time” station 1010 WINS, feverishly reported on five boroughs of insidious nocturnal activity. Obviously, the radio aloud in full evening murder alert was stupid. Ironically, I was comforted by the voices. The radio people were the good guys. Go figure.

The dark I despised hit full steam when Channel 5 WNYW TV shifted over to death mode. Sounded its nightly warning siren – “It’s 10pm: Do you know where your children are?”

Where and who were these kids? Were they dead? Why was a local TV station asking? And EVERY NIGHT? Without fail. Was that necessary? The visual that complimented the ominous query was eerie –

Black & white. Picture an urban park deep in a concrete jungle. Rows of swings. Empty. Still. Except one. Moving. Like a kid just jumped and ran. Or worse – This child was abducted. Fade to black.

How would parents not know where their children were? If you didn’t know by 10pm, oh yeah, they were missing or dead.

And who the hell is swinging at that hour?

The demons required the playground for their evening monkeyshines. So they snatched the children of irresponsible parents, whisked them off to place cordoned from the light, and braised them as the main course of a hellish feast.

I knew it.

As I age, I’ve grown to fear “fear” less. As a matter of fact, I’ve grown exhilarated in battle. Facing the darkness in the window has made me stronger than I’ve ever been. My will, my mind is steeled to fight. To overcome.

You must embrace the darkness in the window. Then you can transform it. Tame it. Control it. No. Better yet. Let it be. You don’t need to control it. Why? Because you can see the light in the dark. It’s at that point, fear retreats or dies.

Rick Grimes is “in-between the shades,” as I describe it for the sixth season of The Walking Dead.

Rick Grimes dark

In our lives, we go through turbulent periods when we exist “between the shades.” It’s a vacuum of growth even though you don’t think so. It’s a time when you’ll fear the darkness because you haven’t embraced it. But you will. Eventually.

Victory arrives for those who can’t tell the difference “between the light and dark anymore.” What appears to be evil may be just the thing that saves you.

Random Thoughts:

Don’t fear the stranger in the window. He’s always there. It’s you. It’s the part of yourself you can’t face but must to move on. Nobody ever broke into our apartment. Never were there eyes in my bedroom glass. I created something that didn’t exist because something inside my light was missing.

The eyes of the non-nondescript stranger haunted me for years. I realize now it was the gatekeepers. Those who created rules, like my parents, I never wanted to follow but thought I must. Well, it was the gatekeeper in myself. In a dark place that taunted me.

It’s 10pm. I wanted to be one of the kids swinging in the dark. 

The demon in the backyard said no.

Once I learned to see the keepers, identify them, I learned how to fight because a corporate intruder came after me with a vengeance. I was pushed into a fight of my life. I emerged victorious.

I now can rummage through the black with comfort and find my diamonds. So can you.

Embrace the black. You’ll fight kicking and screaming as you get pulled into the dark. You’ll torch thousands of lightbulbs to avoid the stranger. Stop thrashing and get pulled in. Just for a bit. You’ll see. In the dark there are shiny lessons. You’re getting stared at through the window. What is it? Who is it? Is it you?

With age comes less fear. Kids fear stuff because they don’t know better. As adults we do too but should know better. The people who embrace the stranger, twill not feel comforted wedged in dark cubicle corners. They’ll show the stranger and his beasts they’re not afraid and fight to understand what lurks in the dark. Friend or foe?

As an adult, every pivotal experience has helped me take a footfall across the jagged bottle, a discarded condom. My fingers have slid gently across formed blades of a forgotten teeter-totter. I walk that backyard in my sleep now. Slow. I’m outside, exposed in the night. I place my hand against poor masonry of an aged urban dwelling. I feel like I belong. The hum. The cold is warm.

I can leave this space anytime I like. With a lesson. I wave to them, the devils. They return the favor. Nod their heads.

Where’s your dark place with money? There’s a black spot on your finances. It prevents you from embracing and building wealth. Not the gatekeepers definition of wealth, either. Yours.

Understanding your perspective about wealth is the first step. The discovery process will push you “in-between the shades.” Like when I closed the white shade in my childhood bedroom.

The thin membrane I believed protected me from the black rot on the other side. My thin wall. It vibrated when touched. I have a definition of money that crosses me emotionally, spiritually. Physically. You’ll need to face what holds you back from generating wealth.

Touch the wall of your soul.

Listen to it resonate.

Know what’s on the other side.

Embrace it to survive. Know your enemies in the dark. And in the light.

They thrive in both.

Now, you’re a force.

More dangerous than you’ve ever been.

In this world.

The world before.

You are more than one.

You are a herd.

You are heard.

the herd