Stop Comparing Yourself To Others And Live Your Own Life

Do you find yourself comparing yourself to others often? Here are reasons you should stop comparing yourself to others and start living your own life.

Do you find yourself comparing yourself to others often? Here are reasons you should stop comparing yourself to others and start living your own life.I think we can probably all agree that your life might be different if you decided to stop comparing yourself to others.

Over the years, I’ve compared myself to others plenty of times. I’ve compared myself to others when it came to school, looks, money, and more. I know that sounds bad, but without acknowledging that, it would be hard to stop.

Many people compare themselves to others too.

In fact, everyone has done it at one point in their life.

People often compare themselves to others to determine how well they are doing in life and base their personal value on that. However, that usually doesn’t lead to feeling too good about yourself. Plus, who actually wants to judge themselves in a negative way?

While in some circumstances it can be motivating and inspiring to compare yourself to others, but in most circumstances it is negative and can lead to:

  • Debt, such as when you’re trying to keep up with the Joneses and buy the same expensive things that other people are buying.
  • A feeling of defeat, like when you feel that you aren’t as good as someone else.
  • Unhappiness, in that the process of comparing yourself to others is neverending.
  • A waste of time. If you spend all of your time comparing yourself to others, you will never have enough time to do what you really want. Comparing yourself to others can take valuable time and moments away.

To put it simply, by comparing yourself to others, you are holding yourself back.

Now, I know that just telling you to stop comparing yourself to others is easier said than done. In today’s world, with social media and how everything seems to be on full display for the world, it can be easy to compare yourself to others.

But, you need to stop doing it in a negative way.

By doing so, you’ll be able to move on with your life, reach your goals, be happy for others, and more.

Sure, you may not be able to reach a goal as quickly as someone else or it may require more hard work, but that doesn’t mean that everything is impossible for you. Everyone is on a different path, and there are people who are better or worse off than you.

Instead of comparing your path to those around you, you should focus on what you can do to make your dream a reality.

Here is how you can stop comparing yourself to others.

Understand why comparing yourself to others can hold you back.

The first step to stop comparing yourself to others is to realize that comparisons are often negative and that most of the time they do not help.

You should think about why you feel the need to compare yourself to others, and think of how that may be impacting you. By realizing these things, you’ll be able to move forward and stop wasting your time with comparisons.

As Theodore Roosevelt said, “Comparison is the thief of joy.”

If you want to learn how to feel better about yourself, this is so important!

Be happy for others.

Instead of feeling jealous or like it’s a competition between you and whoever you are comparing yourself to, you should just be happy for the success of others.

Good things can happen to other people, it doesn’t mean that your life is any less important. Plus, by being happy for others, you’ll learn to accept yourself and let more positivity into your life.

Be motivated, not competitive.

Instead of feeling jealous or competitive when comparing yourself to someone else, you should instead turn that emotion into inspiration and/or motivation.

The next time you find yourself comparing yourself to someone, you could think about how you could possibly do something similar (only if that’s what you truly want to do, of course). You can use their achievements as inspiration for your own life and goals.

As you can see, comparing yourself to someone else doesn’t have to be entirely bad, as long as you use that process for positives means.

Take a break from social media.

Social media can be fun and all, but for the most part, you are just seeing carefully selected pieces of someone’s life.

While that can be great, some people allow it to drag them down.

If you find yourself feeling jealous or negative when you are on social media, then you may want to take a break from it until you figure out how to turn that self-doubt into inspiration. This way, you can stop comparing yourself to others.

Be confident.

You may find yourself comparing yourself to others because you lack self confidence.

Some believe that confidence is something people are born with and that a person cannot learn how to be confident.

I used to feel the same way. While I’m not as confident as I would like to be, I am a fairly confident person and I believe that has helped me a lot in life. That sounds odd to say, but I am confident enough to say it!

I believe that gaining confidence can help you as well. Learning how to be confident can lead to getting the job you want, making more money, reaching your dreams, public speaking, meeting new people, networking, managing a business or employees, traveling the world, and more.

As you can see, gaining confidence can help a person in many, many different ways.

Plus, by being confident with yourself, you will learn how to stop comparing yourself to others because you’ll already believe in yourself.

Learn more at Be More Confident And Get What You Want In Life.

Take control of your finances.

Money is a leading cause of comparison.

Often, you may feel stuck with your current life because of some sort of financial reason. This happens to all of us.

And, this may lead to comparing yourself to others.

By paying off your debt, making more money, not living paycheck to paycheck, budgeting better, and more, you may feel free to reach for your dream life because you won’t feel controlled by your finances.

Related article:

Be positive and happy with who you are.

Many people find themselves comparing themselves to others because they feel unlucky or sad about their situation.

Everyone has something that might make them sad, angry, scared, etc., and I understand that in some circumstances it can be quite difficult to see the positive or to be happy for yourself.

However, no matter how life may be going for you, I believe that a positive outlook can help to improve your life. It’s all about being grateful for what you already have.

Being negative causes limitations. If you think you cannot do something, then you most likely will not. Negative thoughts can make you feel stuck, they can make you feel like there is no way out of your problems, and that you have zero options.

On the other hand, being positive can help you realize that you are able to do things, that you are in control of your life, and that little things will not kill you. Being positive will also help you move on and deal with stressful situations better.

There is no such thing as the perfect life.

No one is perfect.

Once you realize that, you’ll find that comparing yourself to others is wasted time because everyone has a different path, including you.

Instead, you should accept your past and present, and realize that you can make changes for the future if you desire to do so.

Remember, you should never compare your beginning to someone else’s middle. You don’t know what they’ve been through, and instead you should be happy for other people’s accomplishments.

Think about your dream life.

To stop comparing yourself to others, you may want to think about your dream life. This may help you realize that everyone’s on a different path, and that you should be creating your own path to reach happiness and success.

You should think about different things such as:

  • What does it take to reach your dream life? Do you need to go to school? Pay off debt? Learn something new?
  • What will your action plan be?
  • Why is what you’re currently doing no longer working for you?
  • What excuses are you currently making?
  • What are the risks? What will you have to overcome to reach your dream life?
  • What are the positives of reaching your dream life? What is success to you?

Remember, don’t compare yourself with others!

How could you stop comparing yourself to others? How has it impacted your life?

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Source: makingsenseofcents.com

Here’s How to Match Your Music Taste to Your Home Decor

‘Hearing colors’ — I bet you’re all familiar with this expression already, but did you know that it’s actually a thing? It’s a rare neurological condition called chromesthesia, which affects roughly 1 in 3,000 people.

For people with chromesthesia, listening to a certain genre or musical piece can automatically trigger different color visualizations associated with the sound. 

It’s obviously a rare condition, but for musicians, it can be an incredibly useful tool. Duke Ellington, Aphex Twin and Pharrell Williams are among those with chromesthesia. Pharrell actually stated: ‘I know when something is in key because it either matches the same color or it doesn’t.’

Our friends at Home Advisor had their interest piqued, and they decided to put this rare gift to good use. They enlisted the help of two people with chromesthesia and had them listen to various Billboard chart songs from 10 different musical genres. They did this to see what colors each musical genre evoked, and whenever the two participants had matching colors, they were added to that genre’s color palette. 

Consequently, Home Advisor came up with 10 different living room color palettes that match 10 music genres. If you’re a fan of one or more of these genres, then you can use this guide to decorate your home to match your musical taste. Check out the 10 palettes and genres below.

1. Rock

The two chromesthesia participants in the study listened to some rock songs on the Billboard chart, to see what colors popped in their minds.

The result is a rather dark and strong color palette, which includes chocolate-y and caramel-y tones, mixed with Champagne, Cream, and a bit of Smoke and Black. 

2. Country

Given that country music is all about wooden guitars, cowboy hats, ranches, saloons and chestnut horses, it’s no wonder that the colors evoked by this genre match that imagery.

The participants envisioned a living room featuring browny, earthy hues like Redwood, Tortilla, Laguna and Cream. 

3. Pop

Pop music is usually a pretty accessible genre, so it’s only natural that this pop living room features a mix of prime colors, pastels, as well as metallic hues – something for everyone, basically. The pop palette includes Navy, Jade, Black, Abalone, as well as Jade, White and metallic Gold. 

Keep reading: Everything We Know about Trevor Noah’s Apartment — the New Set of the Daily Show

4. R&B

The R&B room looks like it was designed by a qualified interior designer, that’s how harmonius the selected hues are. The resulting color palette exudes coolness and chill-vibe-ness, featuring tones and hues like Charcoal, Champagne, Prussian, White, Pearl River, and a touch of Lime.

5. Rap

The rap room is definitely the showstopper in this list, incorporating various bold and bright colors (which is actually eerily similar to rapper Wiz Khalifa’s home in Los Angeles).

This eclectic result shouldn’t really come as a surprise, given that this musical genre also includes a mix of beats, samples and influences. This fun living room features bright hues like Blue, Jade, Lime, Fire, Red, Peach and Hot Pink. 

6. Latin

The Latin room, unsurprisingly, bears resemblance to the R&B room, as well as to the rap room. This mash-up of pop, R&B, rap, salsa, tango, and so on, has resulted in a bright and vibrant color palette that includes Yellow, Cream, White and Pearl River. 

7. J-Pop

This bubblegum-like color palette evokes the ‘cute and sexy’ image of this pop music trend originating in Japan. The palette features colors that normally wouldn’t go together, but somehow they work, and the result is a colorful and young living room painted in hues like Red, Orange, Thistle, Silver and Amber.

8. EDM

The EDM palette is in a league of its own, for sure. The palette is incredibly vibrant and energetic, much like the musical genre it represents. You might say there’s even a nightclub vibe to this living room, which features colors like Navy, Blue, Azure, Gold, metallic Mint, and Electric Purple.

SEE ALSO: 10 of the Most Stylish Minimalist Wall Clocks You Can Buy on Amazon

9. Lo-Fi Hip-Hop Beats

This lo-fi color palette works really well for a living room, and it’s really on trend with the pastel hues that interior designers are talking up this year. This easy listening music genre evokes gentle shades like Tea, Cream, Baby Blue, Laurel and Air Force. 

10. Heavy Metal

This living room is the darkest, and most aggressive of all the rooms on our list. That’s right in tune with the music genre it represents, as heavy metal is loud, bold, and focused a lot on imagery — heaven and hell, hellfire, depths of darkness, leathers and metals, and so on. Consequently, this living room features dark, solid hues like Black, Charcoal, Denim, as well as blood-like hues such as Maroon and Mahogany. 

There are obviously a lot more musical genres and sub-genres out there, so naturally this list doesn’t cover every possible music taste. But, if you’re a fan of some of these genres and are looking to incorporate your music taste into your home decor, then this study by Home Advisor might serve as inspiration. Happy listening (and decorating)!

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Source: fancypantshomes.com

Finally, ‘Fixer Upper’ Is Back! Watch Chip and Jo Tackle One Hot Mess of a House

At long last, Chip and Joanna Gaines and their smash hit show “Fixer Upper” have returned, although with some changes. For one, the show is now called “Fixer Upper: Welcome Home”—and the season premiere has them faced with renovating the messiest house we’ve ever seen them tackle.

In the episode “A Neglected Home for Newlyweds,” Chip and Jo meet Laney and Lucas, an engaged couple in Waco, TX, who have bought a house filled, quite literally, with trash. The Gaineses will need to work hard to give the couple the honeymoon home they deserve, and have a $150,000 renovation budget to do it.

Here’s how they whip this wreck of a house into shape, which suggests that this season of “Fixer Upper” will be filled with surprises and inspiration galore.

Use indoor windows for a creative way to open up sightlines

This window cleverly connects the office to the kitchen.
This window cleverly connects the office to the kitchen.

Discovery+

The house includes a large front room, which Lucas plans to use as an office.

While workspaces are normally private, Jo and Chip want to open up this space and improve the home’s sightlines. So they install industrial windows into the office that look into the kitchen and living room.

While some designers might have busted down the office walls to give the whole house an open layout, these windows are a creative alternative to demolition.They make the office feel less isolated while still giving Lucas the quiet and privacy he’ll need when working.

When the room is finished, Joanna is happy with not only the function, but also the clean, industrial design.

“The industrial window looks amazing, and I think the idea of trying to bring in a little bit of that industrial feel to this, really kind of modern, minimal space, feels really unique,” Joanna says.

A dark stone fireplace lends an industrial look

Joanna Gaines needed to bring some style into this living room.
Joanna Gaines needed to bring some style into this living room.

Discovery+

When Chip and Jo first see Lucas and Laney’s new house, they’re not only shocked by the mess, they’re also disappointed by the old-fashioned design.

The living room is especially dated, with a fireplace that desperately needs a refresh. Jo plans to update the feature with a sleek, dark stone that’s perfect for Laney’s industrial tastes.

Laney wanted wood storage in her new fireplace, even if it wasn't in the original design plans.
Laney wanted wood storage in her new fireplace, even if it wasn’t in the original design plans.

Discovery+

Yet instead of keeping the slab looking plain and minimalist, Laney makes a change to Jo’s design, requesting a cubby for wood storage. This doesn’t necessarily go with the industrial look Jo planned for, but this designer is willing to make a change. In the end, the wood ends up making the fireplace look even cozier than before.

Centered windows give a room balance

Chip and Jo realized, at the last minute, this window wasn't centered.
Chip and Jo realized, at the last minute, this window wasn’t centered.

Discovery+

Chip and Jo want to give this young couple a cozy dining space, so they design a built-in banquette with midcentury modern charm. However, in the middle of renovation, they realize that the window isn’t centered on the wall, making the space feel awkward.

They know that the wonky window will make the new table look strange, so they put in the extra effort to move the window. They finish the room with the banquette, a midcentury-inspired light fixture, and a beautiful wood table. The furnishings look great and they’re all perfectly centered—giving the room a balanced look.

This centered window makes the space look larger.
This centered window makes the space look larger.

Discovery+

When the dining space is finished, Joanna explains that the new window placement makes the space feel so much bigger.

“This window is really close to this door here, and everything was, like, shoved this way, so we had to center your window,” she says. “Now, I feel like the space was really tiny, but now you’ve got space.”

Use wood paneling as an accent wall

This bedroom was a catastrophe when Jo and Chip found it!
This bedroom was a catastrophe when Jo and Chip found it!

Discovery+

Laney loves simple, Scandinavian looks, but also digs midcentury modern style. So for the bedroom, Joanna installs a feature wall that works for both styles.

“I like the idea of this really cool focal wall, really minimal but highly textural,” Joanna says.

The wood paneling gives this bedroom that midcentury modern look Laney and Lucas love.
The wood paneling gives this bedroom that midcentury modern look Laney and Lucas love.

Discovery+

She uses vertical wood paneling, which are reminiscent of paneling from midcentury homes, while choosing a light color and a simple black handle for the hidden bathroom door, which is in line with Scandinavian design.

The feature wall ends up looking gorgeous. It brings so much style to the room while seeming versatile enough to work with almost any style.

Dark colors in the bathroom add a moody vibe

This bathroom was covered in wallpaper.
This bathroom was covered in wallpaper.

Discovery+

Laney says she likes dark tones, so Joanna wants to give Lucas and Laney’s master bathroom a moody makeover in dark green. She chooses a deep green paint color, then pairs it with green tile and wood vanities, and lightens it all up with light floors and counters.

When the room is painted and nearly finished, it looks great, but Joanna isn’t satisfied with the ceiling.

“When I walked into the bathroom, I really love what’s going on with all the textures and the pattern and the colors. Then when I look up, when I see the white ceiling, it’s almost like we stopped,” Joanna says. “The ceilings are kind of cut in a weird angle, and I don’t want to highlight that.”

So she has the ceiling painted dark green to match the walls.

While Chip is concerned this will make the space feel too dark, once the room is finished, it’s clear that painting was the right choice. The darker ceiling gives the space a cozy but glamorous feel that highlights the beautiful tiles and clean, white bathtub.

This dark green color makes the white finishes stand out.
This dark green color makes the white finishes stand out.

Discovery+

Source: realtor.com

15 Lessons From Regular People Who Achieved Financial Independence

To gain financial independence for retirement, use the lessons of those who have retired early.

total financial independence

The Big Takeaways…

    • Financial independence can be achieved, but it’s about combining lifestyle ambitions with reasonable financial strategies.
    • Financial independence comes with some sacrifice, so it’s important to consider the consequences before committing yourself to an early retirement.

Most people struggle and worry about being able to retire in their mid to late 60s. At that point, you are expected to have hundreds of thousands (maybe even millions) of dollars in your retirement accounts, get additional money from Social Security, and also get some government assistance with healthcare insurance. Even then, retiring securely can feel impossibly hard. What you really want is total financial independence – forever.

Maybe you are already retired and have a dreadful feeling that you simply don’t have enough.

Many people have been there, done that, and retired. Some even have a passion to teach others how they did it via their writings in books, blogs, and online courses.

This past week, I read through hundreds of articles from dozens of blogs to discover 15 of the top lessons from regular people who have achieved total financial independence.

If you save 50% on an item, that sounds pretty impressive. But if that item was a bottle of $1 shampoo, you really only kept 50 cents in your pocket.

J.D. Roth from Get Rich Slowly explains that if you want to retire early, you’ve got to focus on your high-cost items. Namely, your:

  • Home
  • Car
  • Food

The average person will spend over $2,000 a month on these categories alone. If you want to retire or retire early, the solution is simple: spend less. And, you can do it easily by focusing all your efforts on reducing the big dogs – home, car, and food expenses.

Need more inspiration? Here are 8 ways to save BIG. Or, listen to the podcast interview with J.D. Roth.

When do you want to retire? In 5, 15, 25 years? The math behind how much you need to save to achieve these targets is shockingly simple. Just ask Mr. Money Mustache – an engineer that retired when he was only 30.

Even though the math is supposedly simple, MMM made it even simpler by putting together a target savings rate table.

If you currently have zero and want to retire in:

  • 5 years, you’ll need to save 80% of your income
  • 15 years, save 55% of your income
  • 25 years, put away 35% of your income

Most of you have already been working for a few decades, so these numbers might not mean as much as it does for those that are just starting out (especially if you haven’t been putting 80% of your income away all your life). So, what numbers are relevant for you?

If you have consistently put away:

  • 10% of your income, you’ll likely have to work for 51 years before you retire
  • 15% of your income, your time in the workforce is 43 years
  • 20% of your income, you’ll probably have enough money to retire after 37 years in the workforce

Want to retire sooner? Simple. Just up your savings rate.

Try different scenarios in the top rated NewRetirement retirement planning calculator.

When most people retire, they assume they’ll never work another day in their lives, and, if they have to, they consider themselves a failure in retirement.

Jonathan Clements, from HumbleDollar, disagrees.

According to Jonathan, “Working a few days each week could greatly ease any financial strain, while adding richness to your retirement.”

So if you have to (or want to) work in retirement, don’t sweat it. There are countless others that do the same.

Explore 14 reasons retirement jobs are the best and listen to our interview with him on the NewRetirement podcast where Clements discusses money, behavior, and happiness.

Before putting together a complex assortment of facts and figures, Darrow Kirkpatrick (retired at 50 years old) champions the idea of keeping things simple.

“The best way to get a useful model going is to input a small number of initial assumptions, then calculate and check the results carefully, year by year. Once you are certain those initial numbers are behaving as expected, you can begin adding more data, more financial events, and refining your model.”

He compares retirement planning to constructing a puzzle. You don’t try to put all the pieces together at once. You start with a corner, add a piece, add another, and then slowly put together the entire puzzle one piece at a time. The same should be true with your retirement planning.

Instead of putting all your numbers into a complex tool right off the bat, put in only a few, confirm the number, and then go back and model in other likely scenarios. In the end, you’ll be much more confident in your number and you’ll understand it completely.

This approach is fully supported by the NewRetirement retirement planning calculator. Users start by inputting a relatively simple set of data – estimates are okay. You can view results and start building a more complete plan. Or, simply run different scenarios and keep your information updated over time, making adjustments as necessary.

When was the last time you updated your numbers? We recommend quarterly at least. Want ideas for scenarios to run? Try these.

There are tons of people today that have absolutely no idea how much they spend from month to month. And, not only do they not know the amount that they’re spending, they probably couldn’t even tell you where half of it is going.

If you have absolutely no idea where your money is going today, you have little chance of grasping where it will go ten to thirty years from now.

In Darrow Kirkpatrick’s book, “Retiring Sooner,” he discusses several ways to assess your living expenses quickly and easily. So if you’re one of the people who doesn’t know where your money is going, take some notes from DK and get a handle on your spend today so that you can have a blissful, easy retirement.

When you think of regrets in retirement, you might only consider the regret of retiring too early and running out of money, but that’s not the only outcome you should fear.

Physician on FIRE (retired at age 39) warns us also of retiring too late.

If you run all the scenarios in all of the models and you’re safe in every one, then you waited far too long to retire. You’re not going to:

  • Get cancer
  • Have Alzheimer’s
  • Get into a car accident
  • Experience 3 stock market crashes
  • Lose your pension, and
  • Get sued

If all of those things happened to you, it honestly doesn’t matter if you can cover all the expenses. Your life is going to be difficult regardless.

The point of modeling is to protect yourself against the likely fears, not every one. Wait too long to retire, and you’re going to regret it for the rest of your life. Sure, your kids might enjoy the millions that you’ll never be able to spend, but I bet they’d much rather have your time instead.

The Wealthy Accountant, Keith “Taxguy,” is certainly a guy you want to listen to. He’s worth over $12 million and hasn’t held a conventional job since he was 22 years old…

He says it plain and simple:

“When you are in debt the clock works against you. Every morning when you wake—weekends, holidays, sick days, birthdays and work days—you are already behind. The mortgage, credit card, car loan, et cetera, all tacked on interest the second after midnight. Long before you rolled out of bed and poured your first cup of coffee you need to work to pay the interest before you have money for food, clothing, shelter or entertainment.”

The takeaway is that debt is just adding to your expenses. Pay your debt off as fast as possible and invest heavily once they’re gone. It’s easy to do once you don’t have a payment in the world.

Most people go to the bank and ask the question, “How much will you lend me?” The bank tells them the maximum that they’d be comfortable forking over, then the borrowers go out and find the best house for that amount of money.

Without realizing it, these folks just became house poor. Hopefully, they really love the house, because they won’t have enough money to do anything outside of those four walls for many years to come.

Passive Income MD gives us a great rule of thumb when it comes to getting a mortgage – never exceed 3 times your annual income.

If you are currently in over your head, downsize. You won’t regret minimizing your debt down the road.

You hear this all the time, but are you actually doing it? Are you putting the maximum amount allowed into your 401(k) each year? Joe Udo, from Retire by 40, admits that he didn’t max it out every year, but he only missed his first couple when he relented to his high-performance, stock chasing mentality got the better of him.

By maxing out his retirement nearly every year, he was able to build up a $640,000 nest egg before his 40th birthday. Not too shabby.

If you still haven’t started to max out your contributions, it’s better late than never. Do nothing and you’ll have way more regrets than if you get started today.

If you’re over age 50, be sure to use catch up contributions (whether or not your employer offers a program or not).

In 2012, Justin, from Root of Good, earned $140,000 and paid just $600 in taxes. In 2013, he did even better. He earned $150,000 and paid $150.

“We didn’t go anything sneaky or illegal,” Justin explained. He and his wife simply invested in all the tax-advantaged accounts:

  • 401(k)s
  • Traditional IRAs
  • Health Savings Accounts
  • 457
  • And a 529 College Savings Account

That, and they paid for childcare with a Flexible Spending Account through his wife’s work.

His motto is to keep things simple, but also to keep the government’s hands off his money. If you can do this just half as well as Justin, you’ll be well on your way to total financial independence.

“Saving a high percentage of income is only half the battle. You can’t just put fat stacks of cash under your mattress and expect to get rich.” – Go Curry Cracker

If you can earn 10% a year, it takes approximately seven years for your money to double. In another seven years, it would double again. Wait another seven, and it doubles again.

You’ve actually got $800,000. ($100,000 becomes $200,000 which doubles to $400,000, and then doubles one more time to make $800,000). If you could hold off another seven years, you could have yourself a cool $1.6 million. Not too shabby when you consider that you only had $100,000 28 years ago. That’s the power of compounding.

Put that money under your mattress and you’d have just $100,000. That is, unless you had a house fire.

As Bill Bernstein said in his NewRetirement podcast interview:

“I’m going to sound kind of insensitive and cruel, I suppose, but when someone tells you that [that they are not invested and are holding cash], what they’re effectively telling you is that they’re extremely undisciplined. And they can’t execute a strategy and that’s the kind of person who probably does need an advisor. If you sold out in 2007 or 2008 and you’ve been in cash ever since, you’ve got a very seriously flawed process and you’re probably managing your own money.”

You have got to be invested in order to get ahead.

If you retire at age 60, you could easily have 30 years or more of retirement life ahead of you. When you were 30, could you have predicted you’d be where you are at age 60?

Of course not.

The same is true for your retirement years, “And that’s okay!” explains Steve from Think, Save, Retire (retired at age 35). You can do all the planning and forecasting your want, but you’ll never be able to predict what will happen to you personally, professionally, relationship-wise, or financially over the next 30 or more years.

In early retirement, Steve thought he was going to:

  • Exercise more
  • Blog more
  • And read more

He doesn’t, and for good reason. All reasons he hadn’t thought of when he handed in his two weeks’ notice.

Be ready to be flexible and able to make updates to your overall financial plan.

Sam at Financial Samurai is a smart guy. After all, he worked as an investment banker for Goldman Sachs for 13 years. Very few have those credentials on their resume.

After all that experience and knowledge of the markets, his advice to achieve early retirement is not a stock tip and not even a sector analysis. His advice:

Keep it simple.

Spend less, earn more, and invest all you can. That’s it. There’s power in that message, especially considering the source.

ESI Money retired in his early 50s and has practiced exactly what he’s preaching today. His message:

“Invest for growth and then income.”

What does that mean? He goes on to explain and outlines the following:

  1. Max out your 401(k) and invest in index funds (growth)
  2. Invest in rental properties (a combination of growth and income)
  3. Consider person to person (P2P) investing (income)

Also, option three could include annuities – another tool that helps build up a consistent income for your retirement years.

Why growth, then income? Simple. You first want to get your nest egg going and grow your investments quickly out of the gate so you can capitalize on compound interest. Then, in order to retire early, it’s best if you invest in multiple income sources that can float you until you hit the magic age of 59 ½, when you can start withdrawing from your retirement accounts without penalty.

Try out his formula in your own plan with the retirement planning calculator.

Even if you hate your job and have a “countdown to retirement” clock on your desk at work, you’ll still likely have difficulty when you finally give them the old heave-ho.

Jacob, from Early Retirement Extreme, likens it to a long-term marriage. A break-up from your long-time spouse is sure to be difficult. You think the escape will be nothing but sunshine and rainbows, but it’s not always that easy.

The same is true of your job. Expect it.

Better yet, set up a future for yourself in other areas – self-employment, volunteering, or starting that part-time gig we mentioned above. When you’ve already moved on to the next thing mentally, letting go of the old boat anchor becomes that much easier to do.

As with almost anything, you dive into something expecting to find the hidden secret or the magical takeaway and the results are quite obvious and underwhelming.

This analysis was no different.

If you want to retire well and retire early, you should simply live modestly, get rid of all your debts, earn a solid income, forecast what you need (but be flexible) and invest heavily. That’s really all there is to it. Dig any deeper and you’re just wasting your time.

The most valuable information here were the items that hardly anyone talks about:

  • Being willing to work after retirement
  • Having an understanding that even the best-laid plans are futile – you’re never going to predict exactly what will happen over a 30-year span. It’s impossible.
  • Retirement is not all unicorns and angelic choirs. It’s just the next challenge in life worth conquering.

Go in with the right mindset, understand what happiness truly means for you, and never stop working toward the goals that will take you there.

We hope the NewRetirement retirement planning calculator can help you.

Source: newretirement.com

Inside Supernatural Star Jensen Ackles’ ‘Very Hip’ Lake House in Austin

If you’re a die-hard Supernatural fan like us, you’re probably still reeling from the show’s finale and coping with the fact that there won’t be any new Winchester adventures for us to follow. But we’re not here to talk about that, but rather snoop into the private life of one of the series’ leading men. More specifically, Jensen Ackles’ house — which we actually think Dean Winchester would approve of.

The actor starring in CW’s longest running show and his wife Danneel opened up their 7,500-square-foot home in Austin, Texas to Architectural Digest, giving us a rare glimpse into the heartthrob’s home and personal life.

As the story goes, the couple was relocating from Los Angeles and initially considered buying a house down the road when they noticed this property (that wasn’t even for sale). But since they fell in love with it, the couple went ahead and asked the previous owners if they’d be willing to sell. And since it’s not easy resisting Jensen Ackles’ charms, they managed to convince the owners so the Ackles’ moved on to the next step –- redecorating the house.

To help out, they hired architect Paul Lamb and interior designer Fern Santini and together they came up with some brilliant ideas on how to best revamp their already-stunning new house.

“It was imperative that the house express the Ackleses — young, bold, and irreverent,” Lamb told AD.

Jensen Ackles’ house, which boasts five bedrooms, revolves around Danneel’s decorating outlook of “more is more is more!” There is a lot of color, texture, a lot of wood work going on to make it look like a lake house and endless decorations with some of the coolest background stories.

Let there be music

In Supernatural, Jensen loves music. Remember his spontaneous Eye of a Tiger outtake? Still fun to watch! There’s definitely more of where that came from in real life, since Jensen did his best to create an amazing acoustic sound in his house.

The living room is scattered with guitars and all across the shag rug lie comfy and colored floor pillows. All this because the couple loves having friends over, sitting on the floor, singing and playing the guitar.

Jensen was excited to talk about one of his favorite features of the house: “The hand-scraped wood floors undulate quite heavily, and we’ve got these giant beams and wood all around that feel like you’re in the hull of a giant ship.” “What that does is it creates an amazing acoustic sound,” he continues. “We’ve always had music in our lives, and we wanted to pass on that tradition.”

Jensen Ackles and his family at home in Austin, Texas
Jensen Ackles home in Austin, Texas. Image credit: Jeff Wilson for AD

Jensen’s kick-ass bar

They’ve taken care of the music, and to complete the ambiance they got rid of the formal dining room (that nobody used anyway) and replaced it with a kick-ass bar.

Placed on one end of the large living room, the bar is made out of black walnut with black and white veined marble. The cabinets were specially made to light the expensive bourbons it holds inside.

jensen ackles bar in his home in austin texas
Jensen Ackles home in Austin, Texas. Image credit: Jeff Wilson for AD

The master suite

There’s a master bedroom swaddled in Trove wallpaper bearing vintage photography of 1920s opera boxes. The wallpaper is covered in sections by Japanese-inspired barn door panels “because sometimes you need an audience and sometimes you don’t”.

 Jensen Ackles home in Austin, Texas.
Jensen Ackles home in Austin, Texas. Image credit: Douglas Friedman for AD

The master bathroom has a beautiful
bathtub sitting in front of a large window that provides a stunning view to the
lake.

The Mr. and Mrs. own two separate counters, because, you know, it just makes things easier in the mornings; and the inspiration for their master bathroom shower came from an Architectural Digest story featuring a steel and glass shower in the home of Neil Patrick Harris.

 Jensen Ackles home in Austin, Texas.
Jensen Ackles home in Austin, Texas. Image credit: Douglas Friedman for AD

Jensen Ackles’ bright, wood-framed home

Thanks to exposed beams, larger expanses of windows, and rich wooden ceilings, the architect managed to simplify and open the spaces. They simply tore down walls to let more natural light into the home.

Jensen’s favorite space is the breezy two-story screened porch that transformed the entire profile of the house; and his favorite piece – a custom long table made using a 2,000-year-old cypress log.

Parents of three

Jensen and Danneel have three beautiful children, so they had to choose the decor and furniture according to their needs as well. It appears that the couple’s eldest daughter would make a great interior designer once she grows up. The six-year-old girl, JJ, helped pick out all her own bedroom decor.

 Jensen Ackles home in Austin, Texas.
Jensen Ackles home in Austin, Texas. Image credit: Douglas Friedman for AD

Unsurprisingly, the kids’ favorite toy is a rolling acrylic table from the ‘50s, placed in the kitchen. Everybody loves a happy kitchen!

 Jensen Ackles home in Austin, Texas.
Jensen Ackles home in Austin, Texas. Image credit: Douglas Friedman for AD

Jensen Ackles’ home is full of hidden gems

The actor’s house is a personalized, eccentric, yet highly livable place. It was designed to resemble the Laurel Canyon bungalow the couple had once lived in and it’s a testament to the old school, Austin-style lake house.

The space is filled with all kinds of eccentric and eclectic objects—some useful, some decorative, some both. The decorations could be found in abundance in Austin during its bohemian period (the Ackles’ are active supporters of local art), as well as in late-60s California.

More beautiful celebrity homes

Rob Lowe’s Gorgeous House in Montecito is Back on the Market for $42.5 Million
Luxurious Malibu Estate Previously Owned by Kelsey Grammer On the Market for $20M
‘Hunger Games’ Actor Josh Hutcherson is Selling His Celebrity-Magnet “Tree House” in Hollywood Hills
Jessica Alba’s Los Angeles House is a Pinterest-Perfect Dream Home

The post Inside Supernatural Star Jensen Ackles’ ‘Very Hip’ Lake House in Austin appeared first on Fancy Pants Homes.

Source: fancypantshomes.com

The 2021 Career Wisdom You Need from Ruth Bader Ginsburg

Well, we made it. To 2021. The earth, moon, and sun each did their thing again. But somehow this year feels different. Because 2020 was a doozy and so many of us are deeply ready for a fresh start.

RBG fought, she believed, and she persevered—all actions that feel deeply relevant as we look to the year ahead of us.

Last year left many of us with a lot to mourn. For me, and for many, that includes the loss of a national treasure, Ruth Bader Ginsburg. The diminutive woman, known affectionately as The Notorious RBG, served as a U.S. Supreme Court Justice from 1993 until her death on September 18th, 2020, at age 87. RBG was the breaker of all kinds of ceilings. She fought, she believed, and she persevered—all actions that feel deeply relevant as we look to the year ahead of us.

Before I charge too quickly into the spin of 2021, I plan to reflect on some of the amazing life and career lessons RBG left behind. She gifted us a legacy of wisdom that will remain relevant for years to come.

So today, let’s reflect on some of what she taught us and consider how it might apply to our own adventures in the coming months.

1. To persuade others, don't react, respond!

Ruth Bader Ginsburg achieved tremendous things in her lifetime. Much of her success required that she persuade others to share a point of view that may not have been popular.

And persuasive she was. Never one to steamroll or shame others onto her side, RBG was artful in how she changed hearts and minds.

She once shared with the New York Times some wedding-day advice she received from her mother-in-law: “In every good marriage, it helps sometimes to be a little deaf.”

And she goes on to say of that advice:

I have employed it as well in every workplace, including the Supreme Court. When a thoughtless or unkind word is spoken, best tune out. Reacting in anger or annoyance will not advance one’s ability to persuade.

Ruth Bader Ginsburg

I believe she was telling us not to ignore or excuse unkindness or incivility but to label and rise above it in our response.

In 2021, we are all going to be processing and wading through the heaviness that was 2020 as we face the challenges of the coming year. Careless words are likely to be spoken. But when they are, try not to let them trigger a reaction. Respond as the version of yourself you’re most proud of.

Respond as the version of yourself you’re most proud of.

The absence of your emotional reaction will make the intelligence of your response stand out even more. This is one way to bring hearts and minds to your side.

2. Disagree with an idea but respect the person who shared it

RBG maintained lifelong friendships with colleagues sitting on both sides of the political aisle. She was asked about her success at this many times throughout her career.

She spoke with NPR about her friendship with conservative Justice Antonin Scalia and shared that while they disagreed deeply on many issues, she respected him enough to listen to what he said. And although he rarely changed her mind, his thinking pushed and challenged her own, making her even better.

When an idea doesn’t land with you, take a pause. Can you find the positive intent behind it? Can you empathize with the person suggesting it?

She also spoke of their finding common ground through shared interests and humor. She was able to separate her friend and colleague from the opinions he held. And this too feels like a useful skill to cultivate for 2021.

None of us knows what shape the workplace will take in the coming months. We will all hear many predictions, suggestions, and opinions. We will like some and hate others.

But when an idea doesn’t land with you, take a pause. Can you find the positive intent behind it? Can you empathize with the person suggesting it? Is there something useful you can find in it?

Keep the idea and the person in separate corners.

3. Never stop learning

Reading is the key that opens doors to many good things in life. Reading shaped my dreams, and more reading helped me make my dreams come true

Ruth Bader Ginsberg, responding to a letter from an 8-year-old girl

RBG never lost her appetite for more information, for expanding her mind. As much wisdom as she had acquired, it was never enough.

And in this, she wasn’t alone. According to Inc. Magazine, many of the world’s most successful leaders—from Warren Buffet to Tony Robbins to Mark Cuban—are voracious readers.

As we continue to navigate the uncertainty ahead, learning new ways to do things will be critically important. So make continuous reading and learning a priority in 2021.

Not sure how to make it happen? Here are a few ideas:

  • Choose your sources wisely. Don’t try to read everything. Explore different books, publications, or blogs to see which resonate most with you.
     
  • Schedule reading time. Put reading time in your calendar. Maybe it’s 10 minutes a day. Maybe it replaces what used to be a commute before many of us started working virtually. Get creative.
     
  • Try audio. Hey, like podcasts or audiobooks? They're a great source of inspiration, motivation, and knowledge. Maybe you can listen while you’re cooking or working out.

4. Prioritize self-care

RBG was so famous as an exerciser that her personal trainer published a book of the workouts she was still doing into her 80s. Once asked who the most important person in her life was, she famously responded, “My personal trainer.”

For RBG, intense exercise gave her the energy she needed to deliver her most impactful work. This is a lesson we all need to carry into 2021. As stress and burnout continue to threaten and plague us, we must all be mindful of how we manage our energy levels.

Working endless hours isn’t the most effective or fulfilling path to success. Working well is what delivers results. So find ways to care for yourself, to recharge your tank, every day.

You too may enjoy some intense exercise. Or you may choose to walk, meditate, journal, or call a friend. There is no right way to practice self-care, but doing it in some form is a must!

If you want some self-care guidance when it comes to fitness, nutrition, and coping with stress, here's where I shamelessly plug podcasts from my amazing Quick and Dirty Tips colleagues:

  • Get-Fit Guy with fitness pro Brock Armstrong
  • Nutrition Diva with nutritionist (and renowned nutrition myth-buster) Monica Reinagel
  • Savvy Psychologist with clinical psychologist and sleep expert Dr. Jade Wu

Search for these wellness experts on your favorite podcast platform or visit QuickandDirtyTips.com.

I hope these nuggets of wisdom have helped you feel empowered to take on 2021. These are only a few of the countless gems RBG left us with. They feel, for me, entirely relevant in this moment. So let’s honor and celebrate Ruth Bader Ginsberg's life together by letting her wisdom guide us through some murky months ahead.

Source: quickanddirtytips.com

A September State of Mind

Hi friends. So sorry to go completely MIA on you. Between attempting online school with a five-year-old, much of California burning to the ground, and the general state total chaos in which we find ourselves, getting to the computer for any length of time has been a bit of challenge, to put it mildly. And then I blinked and summer is officially over.

But I had to finally get on here as I have big news for you!

They say you shouldn’t make major life decisions during times of extreme stress, right? Well, we decided to throw all caution to the wind and instead have purchased a coastal cottage in Washington State! Apparently a global pandemic, homeschooling a kindergartner and the most consequential presidential election of our lifetime wasn’t enough to keep me busy.

coastal cottage mood board on Apartment 34

In all seriousness, if the past seven months of Covid have taught us anything, it’s the importance of friends and family and so we decided to create a gathering place that can bring together those we love most for years to come. Nestled within the myriad of inlets and islands that dot the Puget Sound north of Seattle, the cottage enjoys sweeping views of the Olympic mountains and Hood Canal. I consider it my official respite from the impending doom. Sadly it looks nothing like the inspiration images I’ve collected here.

Instead, it is going to take a LOT of work to get our little coastal cottage visitor ready – and in a very short period of time. Over the coming weeks, I plan to take you along on the entire design journey. I will be sharing everything with you – from the cottage’s current state, to all of my design inspiration and through the remodel process. If all goes according to plan, I’ll share a major before and after reveal in time to spend the holiday season with our family rather than more than 800 miles away.

coastal cottage mood board on Apartment 34

Trust me, we’re going to have plenty to discuss, as I have to pick an entire household’s worth of things – from paint colors and kitchen cabinets down to dishware, bedding and everything in between. No design decision will be left unturned. It’s both exhilarating and incredibly daunting. These mood boards are just part my first ideation session for my dream vibe.

I’m hopeful sharing this process with you will offer you some fresh design ideas and positive inspiration as we all hunker down to weather what will undoubtedly be a stormy fall – be it literally or just politically. It’s been a rather dark year and I feel like this might be a way to share a little bit of light. I know I am very happy for the creative distraction. I hope you are too.

I can’t wait to share more very soon!

The post A September State of Mind appeared first on Apartment34.

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Source: apartment34.com