HEADS UP ALL – YOU WILL A DOLLAR!

HEY FOLKS

I am posting this video to share with you some things to seriously review and consider in your business life.  I am 63, I am vibrant, energetic, strong, cheerful, genius-smart, kind, generous and never have left any project unfinished, that is, at times I’d work 30 hours or more.  Yes, I was smart to choose excellent businesses to work for including thee #1 law firm in the Country in their Park Ave office and for the #1 owner and developer of commercial AAA real estate buildings in Manhattan wherein I dined and met with many dignitaries, celebrities and politicians.  I had a fairytale wonderful career, exceptionally wonderful in that I reached my pinnacle having started out as a foster child, formerly an orphan living in a ghetto as a young white girl during race wars and living in the “scary” part of town.  Being smart, showing up and excellent grades along with a fine-tuned work ethic got me out.

After a few years working in the upper echelons of Manhattan business,

The businesses for which I worked offered 401(k)s; most offered to match whatever I put in each time.  PLEASE LISTEN; IF YOUR PLACE OF BUSSINESS MATCHESS YOUR 401K CONTRIBUTION, DO WITHOUT SOMETHING/ANYTHING, PUT IN THE UTMOST YOU CAN…. YOU ARE ESSENTIALLY RECEIVING FREE SAVINGS VIA YOUR BUSINESSES CONTRIBUTION.  WHEN I BEGAN WORK AT ONE PARTICULAR BUSINESS, THE CFO ASKED ME HOW I WANT MY FUNDS DIRECTED (THAT IS AGGRESSIVE INVESTMENTS, SOLID SAFE INVESTMENTS) …. HERE’S A TIP …. I RESPSONDED TO THE CFO, I’D LIKE MY MONEY INVESTED THE WAY AS YOU INVEST YOURS….AS I THOUGHT, WELL, HE WOULD KNOW.

I RECEIVED A SURPRISE AFTER MANY YEARS IN THE MANHATTAN WORKPLACE.  MY HUSBAND OFFERED ME A CHOICE…. WOULD YOU LIKE TO CONTINUE WORKING OR WOULD YOU PREFER TO BE AN AT-HOME MOM.   BAM.  QUICK ANSWER.  STAY AT HOME MOM.   I HAD ESSENTIALLY NO CHILDHOOD AND MOST DEFINITELY ONE I WISH TO RECALL BUT LIKE SO VERY MANY BABY BOOMERS, I WANTED MY SONSS TO HAVE A MUCH BETTER LIFE THAN I DID.

I LEFT THE WORKPLACE WITH SUPERIOR ACCOLADES, ENDORSEMENTS, INVITATIONS TO RETURN AT ANY TIME.  HOWEVER, IT WAS NOT UNTIL MY SONS WERE ALL IN COLLEGE THAT I SOULGHT TO RETURN TO THE WORKPLACE.  16-17 YEARS HAD PASSED SINCE I WAS EMPLOYED.  I WAS 52.  I MAKE A DIGINIFIED, POLISHED, PROFESSINIONAL AAND EXCEPTIONAL APPEARANCE; MY VOCABULARY ISS OFF THE SAT CHART, MY DECORUM IS PAR EXCELLENCE.  AT AGE 52, NOT ONE AGENCY NOR COMPANAY WOULD EVEN MEET ME.  THEY PLAYED ILLEGAL GAMES BY ASKING ME WHEN I GRADUATED HIGH SCHOOOL.  THAT ANSWER, THAT INFORMATION ENABLES THE PERSON ON THE OTHER END OF THE PHONE TO GUAGE MY AGE.  I WOULD REPLY, I’M SORRY BUT THAT IS AN ILLEGAL QUESTION, ETC.  CLICK

I TRIED FOR THREE YEARS, THINKING OUTSIDE THE BOX – FOR INSTANCE, I BELONG TO NEARLY EVERY ZOO AND MUSEUM IN MAANHATTAN.  I KNOW MANHATTAN UPSIDE DOWN AND INSSIDE OUT, THE GOOD THE BAG AND THE UGLY.  I APPLIED TO BE A HOTEL CONCIERGE.  NO INTEREST.  I APLIED TO WORK IN A COMPANY’S MAILROOM!  NO INTEREST.  FINALLY, I ACCEPTED THE SOCIETAL DECISION THAT OVER A PARTICULAR AGE, ONE IS NO LONGER RELEVANT, UP-TO-DATE ON TECHNOLOGY (NOT TRUE FOR ME AS I LEARNED MANY PROGRAMS WHILE THE CHILDREN WERE IN SCHOOL, CREATED MY OWN website (2), A BLOG, A RETAIL SALESS SITE USING SHOPIFY.   NO ONE KNOCKING DOWN MY DOOR.

FOLKS, 63 SNUCK UP ON ME LIKE A SPIDER.  I HAVE NEVER HAD ANY ILLNESS MORE THAN A FLUE 2-3 TIMES, I’M FIT, I’M ENERGETIC.  AGE DID NOT ENTER MY MIND.  MY ABILITIESS WERE MY PRIORITY.  I DO NOT WHEEL MY LUGGAGE, I CARRY IT = IF I DO NOT USE MY MUSCLES, I WILL LOSE MY MUSCLES.  I’M NOT GOORGEOUS BUT I’M CERTAINLY NOT AT ALL HARD TO LOOK AT.  I AM CONVERSATIIONAL AND WELL VERSED IN ALL CURRENT EVENTS.  I AM ENGAGING AND CAN BE ENTERTAINING.  I AM THE MOST LOYAL PERSON ONE WOULD EVER MEET.

THIS POST IS NOT ABOUT KATHLEEN.  IT IS ABOUT YOU YOU YOU!  PLEASE LEARN FROM MY ERRORS AND INADVERTANT LACK OF SUFFICIENT PLANNING:

I AM IN THE PROCESS OF A DIVORCE AFTER 20+ YEARS OF MARRIAGE.  MY MEDICAL INSURANCE, CAR INSSURANCE, HOME INSURANCE, GASOLINE, GROCERIES AND SO VERY MUCH MORE HAVE ALWAYS BEEN PAID BY MY HUSBAND THOUGH I WAS ALWAYS CERTAIN TO BE FAMILIAR WITH THE NUMBERS SO AS TO BE ‘AWARE’.

SOON, I EMBARK UPON INDEPENDENCE.  LET’S LOOK AT WHAT I PERSONALLY HAVE:  I DO NOT HAVVE A 401K AS I HAD TO EMPTY THAT ACCOUNT AND GIVE ALL FUNDS TO MY FIRST HUSBAND IN ORDER TO GAIN SOLE CUSTODY OF MY SONS (THEIR FATHER DID HEINOUS THINGS SUCH AS USE THE MOST DEROGATORY WORD ONE CALL USE TO A BLACK INDIVIDUAL – AND IN NO WAY WOULD I ALLOW MY CHILDREN TO BE RAISED IN AN ENVIROMENT WHERE THAT WAS OK).  I DO NOT HAVE A PENSION.  I DID OPEN AN IRA AND SAVED QUITE A BIT.  I DID PURCHASE SOME STOCK – ANDD FORTUNATELY, I PURCHAASED MICROSOFT STOCK AT $26 A SHARE.  EACH OF US HAS TO DO WHAT THEY THINK IS BEST.  SINCE I HAVE NOT YET REVISED MY WILL AND MY YOUNGEST, WHO IS HIGHLY SSUCCESSFUL AND SAVING TO BUY A HOUSE, I DECIDED I NEEDED TO HELP HIM NOW.  MY WILL PROVIDES MY CHILDREN RECEIVE ANY INHEREITANCE 50/50.  SADLY, ONE OF MY SONS HAS TURNED OUT TO BE A SSOCIOPATH.  I LIQUIDATED ALL OF MY STOCK AND GAVE THE FUNDS TO MY YOUNGEST SON, THEREBY CIRCUMVENTING THE WILL.

IT IS MID-SEPTEMBER; I AM TRYING HARD TO PREPARE AND CONSIDER ALL COSTS FOR INDEPENDENT LIVING.  I GET ANXIOUS THAT PERHAPSS I HAVE NOT CONSSIDERED A BULLET LIST ITEM OF LIVING EXXPENSES MAKING MY CALCULATIONSS OFF.  CAALCULATIONS THAT WILL PROVIDE ME WITH INFORMATION I NEED TO KNOW WHAT I CAN AFFORD TO PURCCHASE – EVEN A 1BR HOME – AND WHERE.  THE MORE I LOOK AT THE NUMBERS, THE HIGHER MY ANXIETY LEVEL GOES.

AND SO, I SHARE THIS INFORMATION WITH YOU……ESPECIALLY 20-SOMETHINGS…. WHO (LIKE I) DO NOT THINK OF PROVIDING FOR THEMSELVES ONCE 60 COMES A KNOCKING.

PUT YOURSELF FIRST.  PUT YOUR FUTURE SELF FIRST.  SAVE SAVE SAVE

OR

YOU MAY NEED A DOLLAR

Kat

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