Robert Kiyosaki in his book, Rich Dad, Poor Dad, makes the point that houses aren't really assets, they're liabilities.
Anyone whose mortgage has been caught in the current economic mess has
first-hand experience of what he means. Anyone who owns property knows
that just paying the mortgage isn't nearly enough. There's also the
extensive cost of maintenance to be considered as well. Property depreciates,
and that means that, without you doing anything at all, everything you
own decays at a given rate. For buildings, the average rate of decay
comes down to from new to worthless ruins in about thirty years.
Although it may not be directly measurable, depreciation is a real,
calculable cost of doing nothing. Think about it: for a nice $300,000
home ($150,000 home + $150,000 property), your cost of doing nothing
comes down to as much as $5,000 a year!
Obviously, a house (or a car or a boat or any other big-ticket item) has a calculable monetary value. Now, how about those incalculable
'assets' that go to make up your life? There are a few universal and
inviolable laws in this world, and one of them is the law of entropy: the tendency for all things to move toward maximum randomness (otherwise known as 'decay').
It's not really the chaos theory that we have to worry about (the
theory that the behavior of large, complex systems [like the weather]
is fundamentally unpredictable): that just tells us that we can't tell
when or where disaster may strike. It's entropy that
assures us that, without taking preventive action, disaster is
inevitable. The true cost of doing nothing — whether the cost is
calculable or not — is eventual disaster. Assuming that the midlife
transition is upon you, what exactly does that mean?
It means, primarily, that allowing yourself to become comfortable with the status quo (or, even worse, striving to maintain the status quo)
is a sure recipe for disaster in the three critical areas that matter
to you the most: your career, your relationships, and your personal
health and well-being. If you're like most people, you're extremely
generous when it comes to your toys and your fun (your possessions and
your recreational activities), but you're proportionally cheap when it
comes to taking care of yourself. Most of us don't mind going into debt
(bank loans and credit cards) to purchase something we want, but, when
self-care is involved, everything seems too 'expensive,' whether it's
in time or money. For every time we've denied ourselves some luxury by
telling ourselves, "I can't afford that," I'll bet there are many more
occasions when we've encountered something that could genuinely improve
our quality of life, but we've passed it up because of the cost. Let's
look at some pertinent examples.
Here's
the most obvious (and the one that almost everyone readily admits): "I
should take better care of myself." Your health and well-being are
dependent on three essential elements: nutrition, exercise, and rest (along with quality health care, when necessary). Is there anyone
reading this to whom this is news??? It's been well-proven that stress
is a killer and that a combination of excellent nutrition, exercise and
rest can go a long way toward reducing the ill effects that stress
brings on. In the book, Change or Die,
Alan Deutschman reveals the stark facts: 90% of all people who are told
that they must change their behavior or die, sooner or later go back to
their old habits. What excuses are you using to hasten your demise?
Healthy food is too expensive? Doesn't taste as good as all those
round, fatty molecules? Takes too long to prepare? And why aren't you
exercising regularly (and how many unused health club memberships,
exercise devices and weight loss supplements have you collected)? What
happened to last night's eight hours of sleep? What excuse did you use
for cheating yourself of stress-reducing rest?
Now,
about that person you're married to (and to whom you professed your
love). How's your communication? How about the amount of quality time
you're spending together? When was the last time that you took time to
work on your relationship? How much has each of you changed over the
years? How much do you (personally) still need to change in order to
keep your relationship not only strong but growing? When was
the last time that the two of you took your issues to an impartial
third party (or do you imagine that the two of you are somehow unique
and don't need outside help or advice)? You say that you don't have issues??
Then things are worse than I had imagined! People change — particularly
during midlife — and, if you're not working at growing together, then
you're growing apart. 'Disaster,' in this case, comes in the guise of
waking up one day and wondering, "Who is this person, and what did they
do with my husband/wife? I want them back!" Have you read Dr. Jed
Diamond's book, The Irritable Male Syndrome, and, if not, why not?
Finally,
let's look at your career. Regardless of whether you're an entrepreneur
or you work for someone else, your career (and your health and your
relationship) depend on what you're willing to invest in it. I'm not
talking about how long you spend at the office or the volume of the
output of your work day. That won't get you anywhere beyond where you
already are and, in fact, it's a sure route to obsolescence. They say,
'If you want to keep getting what you're getting, keep doing what
you're doing,' but, in fact, when you keep doing what you're doing,
you're going to keep getting less of what you're getting. If you're not going forward, you're going backward. And remember, you're a boomer!
You're not working toward 'retirement;' you need to be planning for
your next career! What are you doing to prepare? The number one factor
that every expert quotes as being an indispensable element in their
(and anyone else's) success is: having a coach or mentor.
So, who's yours? How much time, energy and expense are you willing to
dedicate toward the end of advancing your career prospects? What's your exit strategy?
Consider at the name of my business, ProActivation. It's quite obviously made up of two terms: proactive and activation.
Whether or not you take these two terms to heart may very well spell
the difference between thriving in your health, relationships, and
career . . . or not. Nobody can make proactive investments in your life
for you: it's entirely up to you. As I've mentioned often before: at
midlife, the training wheels come off. The expectations and constraints
that ushered you through childhood, adolescence and adulthood have
served (or outlasted) their usefulness. In maturity, nobody's going to
be able to tell you what you must or can't do. Here's a radical
statement: laws are made for children and adolescents. If you're still
operating on the level of what somebody else is telling you that you
can or can't do, you're ethically still a child (and have no business
reading this yet). In maturity, making the right choices has to do with
alignment with the principles and values seared into your heart and
soul. If your proactivation isn't coming from what's in your heart, it'll never have any lasting effect.
Every
morning when you wake up, you have a choice to make: whether today
you're going to invest in your own personal future or not. Every
morning you have the opportunity to just let it ride for one more day:
to do nothing. That's your prerogative. I just hope that, after reading
these few words, you'll no longer be able to do that with a clear
conscience, however, imagining that doing nothing costs you nothing.
Indeed, the cost of doing nothing is very, very high: sooner or later,
it could cost you your health, your relationship, your career, your
future, even your life. That kind of puts the cost of hiring a trainer,
a marriage counselor or a life or business coach into perspective,
doesn't it?