A 4% Investment that Pays for Life

Some say compounding interest is the 9th wonder of the world.

Imagine you invest $4 a day for 20 years at 6% interest. Four dollars is a small sum of money. After twenty years, you would have almost $60k. If you did it for 40 years, it would be closer to a quarter of a million. Not bad for $4. If you only made a $100 a day, those $4 is just 4% of your earnings.

How many people know this but don’t do it? After all, $4 a day is $120 a month. $120 a month is a bit more daunting.

And if you do invest the money, you are not guaranteed the return. The interest could change, the value of the currency could change, or disaster could hit. No guarantees. No security.

What if there was a guarantee? What if there was a sure-fire way to get a return on a 4% investment, a return that would pay dividends for the rest of your life? Would you do it?

If you said yes, then it is time to invest in yourself. What is a 4% investment into yourself? It is…

One hour of your day.

Imagine spending one hour of your day:

  • Working on your fitness. How much more enjoyable would be your life in your senior years?
  • Reading. How would this improve your mental development and ability to think critically?
  • Meditating. Oh, the peace of mind and presence that could be achieved?
  • Developing a hobby into a future career. Doing what you love and getting paid to do it. That’s a hard one to beat.

One hour a day doing something that could make your life better. It might mean sacrificing something else. Is there something you could cut away? Anything, that is not as important as your future you? Who is too busy to spend one hour a day improving one’s self?


Feature photo by Mathieu Stern on Unsplash

The Two Step Process to Achieving the Best Day Ever

Hope 11/9/2019

The rational part of you, your mind, has had enough. It makes an agreement with the emotional part you, your heart. The mind tells your heart, “We can’t keep going on like this. We were meant to do better.” The heart sees the logic. Together the mind and heart go to the body and informs the body of their decision. The body is in agreement, “Change must happen. So how are we going to do it?”

Step 1: The Prep Work

It begins the night before. Mind, heart, and body agree to go to bed at a decent time. They have to remember the events of the day, but they cannot let that impede their tomorrow. How do they (your three parts) do it?

-End the evening with a clean conscience. Anger must not be allowed when the sun goes down (Ephesians 4:26-27). The mind must be sober, the heart not hindered, and the body free of toxins. In other words, you need to be sober.

-Journal. There has to be some kind of reckoning. In order to make tomorrow better, today has to be accounted for. What went well, and what went wrong? This is a good time to note any items of gratitude. It is a time to consider how to make things better the next day. There has to be a plan.

-Go to bed with it on your mind. Visualize the best day. What does it look like? It may sound a little hokie to some but consider the words of Thomas Edison, “Never go to sleep without a request to your subconscious.” See it, request it, and pray for it.

Step 2: The Best Day Ever

The prep work is complete. The mind is willing. It has involved the heart. The heart has sent its nutrients to the body with a little side note, “Take this and go do what you were born to do.” The body revived by sleep, supported by mind and heart, will begin the day full of energy. When the body tires, the heart (soul) and mind (spirit) will give it wings to continue its mission.

The plan has been formulated. All that is left to do is to execute it. Do that, and it could be the best day ever. There may be obstacles and distractions. There always is. Deal with them accordingly and then get back to the mission.

The Next Night

Was it the best day? If not, no worries. You can always try again tomorrow. The goal is that every day gets better than the day before. In order to improve the next day, go back and do the prep work again at night. Repeat steps one and two over and over. You will eventually get there.

Write it on your heart that every day is the best day in the year. –Ralph Waldo Emerson

Moving Mountains

Faith 11/1/2019

I am thinking about this new house my wife and I recently purchased. It is a lovely 1972 ranch that has not been updated since 1972. It is almost overwhelming when I consider how much needs to be done to it.

Right now, we are working on the kitchen, ceiling, floors, garage, and the land. Each area seems to require immediate attention. This house is a mountain’s worth of projects, and we can only move it one stone at a time.

The man who moves a mountain begins by carrying away a small stone. –Confucius

When I take a look at my own personal journey, it isn’t much different than the house. On this quest to become the best I can be mind, body, and soul, I am discovering that it will take a lifetime. In a world full of distractions, where so many people and “stuff” are vying for my attention and time, the best I can hope to do is chip away a little bit at a time. The progress from day to day may seem minuscule. But if I persist daily, then the body of work over the decades will seem monumental. I will indeed have moved my own mountain.

We don’t luck into progress. We work on it every day. The other ways to get ahead may seem more desirable, easier, but they are fleeting and will not garner the same appreciation and gratitude as the slow way. Work on yourself daily and see the mountain of results build up over a lifetime.

Progress is not achieved by luck or accident, but by working on yourself daily. –Epictetus