(This one is personal so if you don't know me that well you might want to move on.)
Yesterday, I worked from 8-5. Came home, mowed the yard, ate dinner, and at 9:30 pm I found myself outside wrenching on my car in a white tee shirt by the light of the porch lamp. By “found myself”, I mean that I stepped outside the moment, looked down, and realized I am the Dad.
It’s the moment where all my perceptions about myself melt away, and I do what I have to do. I love it. From the time I peek through the bedroom door to see my wife and baby lying in bed asleep before I leave in the morning, to the time that we are rolling around in the floor before he goes to bed. Words cannot describe.
Unfortunately, when motivating a population both the carrot and the stick are needed. Some will chase the carrot with great vigor, and others will only be motivated by a whack or three from the stick. In the case of retirement planning, once the carrot or the stick is dealt out the time for planning is long past. Motivation at this point provides little benefit since planning for retirement is a long process. The secret is to derive motivation the anticipation of the consequences. The most effective way to create that anticipation is to be confronted with the successes and failures of others, and learn from others experience with the carrot or the stick. It is almost always less painful to learn from the mistakes of others, but unfortunately it is more effective to learn a lesson from personal experience.