I have noticed a trend in my business. I get tons of emails, phone calls and comments from people who say things like, “Damon, I know a lot of people who can use your help.” Damon, my mother, my father, my grandparents, my cousin, my friend, my coworker, or this person at my church can use your help.
Notice how several people are saying that somebody else can use my help—NEVER THEMSELVES! In the past, I would thank them for referring the person whom they believe needed my help and move on.  Lately, I received phone calls, emails and comments from people seeking help for others and not themselves with so much repetition that it forced me to reflect on this matter. You know what—I became offended for the sake of my clients and myself. I thought to myself, what arrogance—these people think that they are above the advice that I give.  They think that I’m not qualified to help them improve their financial situation.  To add insult to injury, they think that my clients are either rejects or are simply terrible at managing their money.  All of this is HOGWASH!  As a result, I thought it was time to be adamantly clear as to whom I’m talking to!
If you’re reading this column—I’m talking to YOU! Not the person next to you, I’m talking to YOU! Yeah—YOU! I could care less about your current financial picture. I don’t care if you make $5- thousand or $5-million dollars per year, I’m talking to YOU!
When I say that Wall Street Journal did a study and they revealed that 70 percent of Americans are living paycheck to paycheck, I want YOU to understand YOU were not exempt from that statistic. When I say that the Department of Health and Human Services did a study and they say that 96 percent of people age 65 and older retire or die BROKE, that includes YOU!
Remember the swift or the strong will not win the race. The one who can endure to the end will win the race.  You have a 96 percent probability that you will not endure to the end—unless, you’re ok with ending up BROKE in your golden years.  You thought the various companies and government organizations were being nice to senior citizens by offering senior citizen discounts because it’s a nice thing to do.  Nope! These organizations are offering senior citizens discounts because senior citizens are BROKE!  Ask the elderly people you know, “what would they do differently if they could do it all over again?” Two answers will be common. They’ll wish they spent more time with family and friends and they’ll wish they had a better financial game plan.

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