exercise

Planning to win

~ David C.
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, at 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 started on a low level of 401K saving.
 
I went on to live a normal life of spending and debt just like most people. Then in the spring of 1998 cancer came in another effort to wake me up. Now I had a fear of possible unmet family needs. Would we have memory building experiences? How would the son afford college? If I were to die, would my wife be left with financial security? Along the way, I also experienced job insecurity with layoffs occurring around me on average about every 12-18 months. Thinking of retirement was not a priority in part because I was unsure really if I would have a job or live that long.    
 
This little stew of experiences in some ways has left me pretty messed up.
 
So here I am soon to turn 52 and looking back while at the same time looking forward to a new stage of life. Retirement seems like an old man word but it looms as a possibility in just a few short years. Time does fly indeed and every day counts. 
 
According to this source, the median savings of someone my age is $117,000. Twenty-five year old me would have considered that to be a lot of money. Fifty-two year old me understands it to be terribly out of whack compared to what will be needed by most people to retire at a reasonable age with dignity. The person with $117,000 most likely does not realize that to have even $48,000 in income at retirement a nest egg of 1.2 million is recommended. That is a slap you in the face keep you up at night big number. Of course, you have to be aware of the number and care about it for the hand to be motivated enough to give yourself a whack.
 
Dear people wake up and realize the end of the bridge is coming and there is no reason to keep driving towards it. You know what to do. Get out of debt, live below your means and start saving now for a future that is many years away for some and just around the corner for others.
 
Whys and whats are easy to dream about. It is in the hows that we get hung up but the reality is that with the plethora of resources available to us today there no excuse not to win. Those who do not are doing so by either conscious or unconscious choice.
 
I plan to win. Just as importantly to me, I want you to win too. Here some resources to get you started. Join me and we will win together. 
 
 
 

Life after 50

~ David C.

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 addressed properly these inner demons can grow toxic leading to despair, poor health and broken relationships.

Wake up, brothers! These can be the best of times as you dig deep into the new you. You can get on track to retire with dignity with some intense actions.  You can fall even more deeply in love with your wife as you discover the joy of pursuing her again. You can use your new time to find renewed joy in your current work or perhaps a new path to a dream you thought would never happen. You now can take time to honor your body with a turn to a new level of health.

The truth is that in this day with information and examples of success so easy to find there is no excuse for not educating ourselves, setting new goals and then taking massive action to make it happen.

Fifty and beyond does not mean life’s journey is coming to an end. Instead, it can be a time to spring into an even more fulfilling life. Make the decade of your 50s the best years of your life with even more joy to come.  Go for it!

How to write goals for success

~ David C.
If you read my previous post you understand the importance of goal setting to reach success. You must also be committed to joining the 9% club by following through with what you want to achieve.

Everyone is different and how you organize your goals need to be your own but I thought I would share what has worked for me over the years.
A Key thing to know is that goal setting is not a one-time event. Goals are to be in progress at all times and there is nothing wrong at all with having things that will take years to accomplish. This is why having them in writing and updated regularly will help you.
If you need a model for structuring your goal there is always the classic SMART format.
Specific–What do you want?
Measurable–How will you know you have achieved it?
Attainable–Is this goal even possible?
Relevant–Will the goal make a positive difference for you and/or others?
Time–when will you start, what are milestones along the way and when will you finish? (this is important)
I go a little extra by adding an E and an R.
E–what about this goal excites me so much that I am willing to make sacrifices and overcome the obstacles that will come my way?
R–what is the reward?  When the goal is accomplished and just as importantly when the goal is in progress what is going to be the outcome benefit of having gone through all this effort.
Breaking your goals down into great detail takes a lot of time but the long-term benefit to going through this process will help you see things to the end.
I also break my goals up into specific categories to ensure I have a well-rounded focus for the year. These categories are:
Faith–how will I grow this year to be closer to God and to serve others?
Family–how will I grow as a husband and as a father?
Career–how will I demonstrate excellence in my work to better serve those around me?
Finances–how will we keep our life debt free while building a future for retirement?
Fitness/health–how will I stay fit and healthy?
Fun–What adventure will we have for the year?
I know this can sound like a lot and I guess it is. However, since I have been using these same categories for many years and since I review these often, really after the first time subsequent years become simply tweaks.
If all this seems overwhelming I suggest you start with just one category and then dig deep into your SMARTER plan to make things happen. Once you see the results of this effort you will get motivated to expand your planning to every area of your life. Soon as you start checking off milestones along your journey you will meet your three new best friends–Mo, Men and Tum.
When they join your team. Nothing will stop you!
So what are you waiting for?

Cubicle Man!

~ David C.
I am not much of a TV watcher and it seems when I do take time to flip through the current cable offerings all we seem to have any more are reality shows. Interestingly, many of the popular shows are about people that have jobs and lives of danger and excitement.
Who would have imagined years ago that there would be an audience for shows about fishermen, lumberjacks, Alaska cabin dwellers, and redneck country folks.
I spend my day in a cubicle. The overall level of excitement of reading e-mails, attending conference calls and enduring endless meetings is somewhat lacking.
Perhaps I need to star in my own show. “Cubicleman!?” “E-mail Dynasty!?” “Conference calls: The Last Frontier!?” I could set up a GOPRO camera and record every exciting moment.
Up at 530! Work by 0700! Lunch at desk while working! Out by 530! My day would be riveting I am sure for others to observe.
Most if these shows are popular because people long to escape their own mundane and sterile lives to have adventure and challenges. We were born for adventure—climb mountains, fight battles, solve problems and to conquer.
Anything less brings boredom and a wandering spirit.
Let me offer a cure. Look into the world around you and find your own adventure. There is joy and excitement in our everyday lives. You just have to notice it.

Go enjoy life. After all, as I used to tell my son, “only boring people get bored”.  It is your choice. 

Living with the brake on

~ David C.


I have been working hard this summer to improve my fitness and loose a few pounds. My routine is to alternate between running and cycling. Saturday is my long ride day and I hit the street as soon as there is enough light to ride.

For several weeks the riding did not go so well. My frustrations about this difficulty became so great that I was growing concerned about my health. Was something wrong with me? Why so hard? I thought that my fitness was improving! I bonked so hard on one Saturday ride that I had to give up early and head back to the house with a completion of only 35 miles for the day.

Then one day while passing by my bike in the garage I suddenly for some strange reason gave the back wheel a little spin.

It moved maybe an inch. OOPS!

Turns out that for who knows how long the back brake had been pressed against the wheel. I had been in essence riding with the brake on for weeks.

You can imagine how that next ride went for me after fixing the break. Suddenly I was blazing down the road (well not exactly Lance Armstrong blazing but certainly faster than I had been previously).

It seems like my life is like those rides more often than I would like to admit. I get so frustrated about going slow, not figuring things out or feeling beaten down. Then it turns out more often than not the fix is actually something simple.

A day off
A conversation with an old friend
A change in priorities
An unexpected thank you
Some time alone
A hug from the wife
Time with God

My hope is that during this summer season you can also find that simple solution the release the brake and get your mojo back. See you out there!

“You have bigger boobs than me”

~ David C.

“You have bigger boobs than me”

Ouch! This was said to me in jest by a girlfriend of mine back in the spring of 1989 as we were eating a big tray of nachos. I was 21 years old at the time and in my fourth year of college.

I am person that has struggled with my weight as long as I can remember and it seemed no matter what I tried it would just not come off. As a youth, I remember the teasing from the other kids very clearly. I also remember the feeling as I stood there at gym or recess knowing I was going to be the last person to get picked for whatever sport we were being forced to play.

My fear of athletic failure kept me from doing any sports. Exercise was a truly was a stranger to me. Really, up until that moment in 1989 I don’t think my heart had ever risen above 100 BPM unless I was running to grab the last ding dong from the box.

The boob comment for some reason though lit a spark in me. I decided at that moment that I was going to change my life. I was going to learn to eat right and I was going to exercise.

Learning to eat right came from joining a diet program. The company is no longer around but was a lot like weight watchers. I learned through this education that chicken fried steak, fried potatoes, and rolls were not the best choices for meals. (go figure) The greatest lesson was that my previous failures were due to trying to diet vs. just eating right. Once I was no longer on a diet, all the pressure went away and so did the pounds.

Exercising began with a mountain bike from Wal-Mart. I had bike as a kid but other than neighborhood tootling around I had never given it much thought. This mountain bike though over the summer became my primary transportation. I soon realized that I loved the feel of the road under me and I especially loved the feeling of physical strength I was gaining. It was not long before I started hanging out in the local bike shop dreaming of a “real” bike that I could use to join some of the other local riders that I had met.

Over that following summer, I lost over 40 pounds and for the first time in my life gained a physical confidence that I had not experienced before. Since then I have ridden thousands of miles, run 5Ks, 10ks, marathons, duathlons, and even a few triathlons.

I come from a long line of overweight people and it is still a struggle. However, I hate to think of what my health and my weight would be today had I not been struck so hard by the comment and had I not purchased that first cheap bike from Wal-Mart.

What about you? Does the thought of exercise and fitness scare you? Do you think because of your past that you have no future of feeling well, losing weight and getting fit?

Here we are just a few weeks into 2010. Are you ready to change your health for the better? I know with a little work and some well thought out goal setting that you can do it!

Good luck!