Time to Think Differently
Don’t be fooled by the retirement mirage.
Are you still buying into the retirement mirage, hoping that, once you stop working, your life will be a perpetual enjoyment, exploration, and pleasant experience? It’s time to think differently.
Your ideas about retirement are dissipating before your eyes. People are living longer, and the world is changing faster because of advancing technology. Twenty-first century notions about retirement are antiquated.
Nancy Hite has a fiduciary duty when guiding her clients’ financial process throughout their lives. If you’re like them, then you are so busy in your day-to-day life that you don’t have time to think farther ahead than next week’s paycheck. Nancy helps you: See ahead when you’re too busy to look up®.
In The Retirement Mirage, Nancy dissects the key points to help you think differently about your financial future.
- People are living longer today than at any time in history — be prepared so you don’t run out of money before you run out of time
- The world is evolving with climate change, disease, unsteady markets — learn how to adapt to constant change
- Technology is changing the world — find out how science positively impacts your financial future
- Education and our children — let’s give them a process that establishes a strong financial foundation for financial stability
- Spend it now, spend it later, or spend it never® — find out why this is Nancy’s motto and why it should be yours, too
The Retirement Mirage combines Nancy’s years of financial expertise with real-life examples to show you a variety of perspectives. The Retirement Mirage will inspire you to honestly assess your financial situation and offers the tools you need to prepare for the realities of your financial future.
The Retirement Mirage includes advice for all ages on what experts don’t tell you.
A t fourteen years old, Barbara received her fi rst credit card allowing her to be authorized to charge on her mom’s account. Her mom felt the $500 limit would give Barbara some spending money while teaching her how to control her finances.
Instead, since her mother paid the monthly credit card bills, Barbara learned credit meant easy money. She just presented the card, and money appeared. What could be easier?
Ten years went by. Barbara got a well-paying job as an architect, which enabled her to get even more high-limit cards. She bought a car new, direct from a dealer (on credit, of course), and filled her apartment with nice furniture. She wore the newest fashions and ate at the best restaurants. Barbara continued along, accumulating debt, until this scenario unfolded at the bank…
“Sorry,” the guy behind the thick glass said, “I can’t give you another loan.”
“What? But . . .”
“It’s not me. Computer says no.”
“You still haven’t paid off the last one.”
“But you gave me a payday loan last month.”
“Yeah, like I said, you gotta pay that back. Can’t help you.”
“But how will I eat?”
“Your problem. Can’t help you.”
In this modern age, you’re constantly bombarded by advertising. Even during the drive to work, you’re inundated with commercial messages. They’ve become so prevalent that you may not even be conscious of them, but you can be sure you are soaking up every word. Advertising is everywhere, and it is designed to drive everyone to spend money. There’s nothing particularly wrong with spending money as long as you are still meeting your other fi nancial goals. However, modern ads are designed to work at an unconscious level, being seen over and over and over again to drill in the concept that you must buy a particular brand of sneakers or sunglasses to be cool. It seems as if there’s always something that we are being told we want, something we must have to make our lives complete. It might be a brand-new car, a video game, a new movie that must be seen on the night it comes out, or that new smartphone that was just released yesterday. Advertising and marketing have convinced the general public of the necessity of purchasing the newest models of something we already have far more often than necessary. This phenomenon is especially prevalent with automobiles, smartphones, video game consoles, and computers.
Thank you, Nancy Hite and RABT Book Tours
About the Author
Nancy Hite is the founder of The Strategic Wealth Advisor® LLC, located in Boca Raton, Florida.
She offers forthright advice and has a fiduciary duty to provide meaningful and workable options to help her clients prepare for and enjoy the current and future chapters of their lives by focusing on their personal goals.
Her first book, “The Retirement Mirage,” offers a fresh perspective to your future financial stability.
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