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By TMFeatnbybears
November 13, 2008

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I don't think I did anything real bad except maybe should have built a 2 year safety nets instead 6 months.

That is the ticket.

Drama time, and admittedly I am that 1 in 100,000.

I had a good job, ran two small companies. My wife worked in a job she loved but it didn't pay much.

I insisted on savings, it made me uncomfortable not to have them.

One day at work I just felt "bad" and decided to go home (very rare occurrence). I made it about three quarters of the way home and my heart just stopped beating. I was 43 years old.

They told my wife to pull the plug. My brain activity was almost non existent. Later they upgraded me to "would be in a nursing home for the rest of his life" I remained in a coma for 13 days. When I awoke, I had to learn to walk, talk, read, do math, recognize people (didn't even believe I was married)

It took three years of recovery to achieve a comfort level that I could "function" I love to communicate on the Internet because 12 years after that event, I still am a very slow reader, I don't recognize my neighbors, forget the dogs name and have little concept of time.

The only way we kept the house was savings. I had a most excellent disability policy, the kind you cant even get any more, but that took about three months to kick in. Once the job was gone, so was heath insurance. I presently pay over $1400.00 per month to insure myself, my wife and one of my kids. My wife works, but was injured last year so we went almost a year without her income. My mother went broke during that 12 years so I aid in her support .... oh ... and the dog died.

Somehow, we keep going. Have great credit, even eat out on occasion. I see home after home in my neighborhood in panic sale, but seems more often than not there is a new Lexus in the driveway.

We speak of investments, bouncing money in and out of the market all for that "retirement" in the future.

What if you had to retire today?

Been there done that ..... horrid learning experience. I was lucky that savings was an important part of our daily lives.

The value of being able to wake up, go outside, look up at the sky and the trees, smell the air are all things that we feel are not enough to bring us happiness. So, we run off on wild hunts for something better, cars, boats, square feet of home. All they do is add stress and regret over time ... but, to wake up, go outside, look up at the sky and the trees, smell the air ... priceless and no stress.

OK, I like cash. I invest in hopes that I can wake up, go outside, look up at the sky and the trees, and smell the air all over the world someday. In the mean time I have done my best to be sure that none of my possessions owns me.

Life is quite cool even without accessories and options :)

Bears