I am giving a lot of thought to personal accountability!  This is merely a forum for consideration and a way for me to mentally examine.  There are absolutely people who have medical genetic predispositions to illness or incapacity, there are those who have unforeseen accidents and those born with existing disabilities.  There are definitely people who didn’t understand the loans they were getting, there were some who were blatantly misinformed and those (like a lot of us) who couldn’t imagine the level of adjustment in our real estate and stock markets.  There are those who have endured generational poverty, those with no parent or lineage to guide them regarding money and those who suffer medical emergencies or catastrophic weather set-backs.  Somewhere, somehow we have to teach, learn and share “personal accountability” so that our world can become a better place.  We have to honor our health and physical fitness by committing to a real, not imagined, work-out schedule and eating a truly healthy diet.  We have to research our financial decisions and we have to value saving our money, by actually taking a portion out of whatever money we are making and placing it into some kind of savings.  We have to respect ourselves enough to own up to our own mistakes.  The government (as a separate, distant entity) certainly can’t fix it all and remember we ARE the government (after all, where does government get its money??), so when we say “they need to… (fill in the blank)” that means that “we need to… (fill in the blank)”.  Just a thought…..

While enjoying the Super Bowl yesterday, I heard the announcer keep mentioning how the quarterback had to find/be given a “safe pocket” in which to make a decision as to how to proceed, to whom to throw, where to run!  I just kept thinking how that applies to a lot of moments in life.  When making important financial decisions such as buying a home, buying a stock, establishing a financial plan, making any important decisions, we all need someone to provide that “safe pocket”.  To me that means we need someone to “have our back”, “supply good information”, “provide guidance”, “no pressure” and “follow-up”…in that “safe pocket” we can make more informed and intuitive decisions.