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One Minute Retirement Tip

Kaizen Your Retirement | Episode 5

Full Episode Transcript:

 

I’m completely obsessed with the concept of Kaizen, which is a Japanese term that means continuous improvement. I first heard about this concept back in college while taking a quality control and lean manufacturing business course. I had no idea why this class was a requirement…I was a finance major, so it seemed like pretty pointless information that I would never need again.

But there was one concept that I learned about in this class that has stuck with me for over 13 years since I took that course – small changes and a commitment to continuously improve have big, big changes over time.

And that’s how I want you to think about retirement. And these retirement tips. Think of them as little nudgings. Maybe you’ll implement some things, and that’s great! Maybe you’ll disregard other things and that’s perfectly fine too. Maybe it will help you think about your goals or your retirement in a new way. But you don’t want to try to implement a bunch of new things all at once, because you’re setting yourself up for failure.

When you try to make big dramatic changes – whether it’s with diet and exercise or your money, our brains get kicked into fight or flight mode, it’s not sustainable and often it leads to failure.

So let me send you off into your day with this quote from CS Lewis, probably my favorite author and one of the greatest writers of the 20th century. He said: “Isn’t it funny how day by day nothing changes, but when you look back everything is different?”

Choose to be your best self today and find a way to brighten the day of every single person you encounter, and I know it will be a great day for you!  

I can’t wait to hang out with you again tomorrow morning where I’m going to go off on a little rant!

My name is Ashley Micciche and this is the “One Minute Retirement Tip”.

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Disclosure: 

The views outlined in this blog post are those of True North Retirement Advisors (TNRA) and should not be construed as individualized or personalized investment advice or tax advice. TNRA are not licensed tax consultants, please contact your CPA for advice on your specific tax situation. Any economic and/or performance information cited is historical and not indicative of future results. Economic forecasts set forth may not develop as predicted.

Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product made reference to directly or indirectly, will be profitable, equal any corresponding indicated historical performance level(s), or be suitable for a given client or portfolio.

Investing in stocks includes numerous specific risks including the fluctuation of dividend, loss of entire principal and potential illiquidity of the investment in a declining market. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond and bond mutual fund values and yields will decline as interest rates rise and bonds are subject to availability and change in price.

Any questions regarding the applicability of any specific issue discussed above should be addressed with TNRA. All information, including that used to compile charts and/or tables, is obtained from sources believed to be reliable, but TNRA has not verified its accuracy and does not guarantee its reliability.

Moreover, you should not assume that any discussion or information contained in the newsletter serves as the receipt of, or as a substitute for, personalized investment advice from TNRA or from any other investment professional. To the extent that you have any questions regarding the applicability of any specific issue discussed above to your individual situation, you are encouraged to consult with TNRA or the professional advisor of your choosing. All information, including that used to compile charts, is obtained from sources believed to be reliable, but TNRA has not verified its accuracy and does not guarantee its reliability.

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