Marriage and Money

The topic of this article is somewhat near and dear to my heart. To the extent that I was seriously considering doing my dissertation on something related to it, but decided not to because I already have some strong opinions that would most likely prove me to be biased. The article raises some valid points as it relates to rates of marriage. Among the people I know, many are working to become financially secure before they get married. In contrast, many people from my parent’s generation got married young and struggled. One positive thing about that path is that if you’ve already made it through hell when your marriage is young, you’ll probably be less likely to leave the partner who stood by you during that dark period. However, while there’s nothing wrong about being in love and being poor, it’s not the easiest of lives to lead. Add children to the already financially stressed couple and you have a recipe for a super stressed relationship that could easily lead to divorce if the couple has not developed some good communication skills and a genuine friendship with each other. One of the premises of this article is that marriage can lead to wealth but the rates of marriages are declining. People are waiting longer to get married. I know of a couple who became wealthy simply because they only lived off the salary of one of the partners and then invested the salary of the other partner. Decisions like that are impossible when you’re living on a single income. People want to know that they have some sort of a buffer in marriage and aren’t coming into it with nothing. For some people, marriage is the best financial decision that they’ve ever made. I wonder what the lasting effects of people getting married at later ages will be on wealth accumulation as a whole?

No more

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Have you ever been in a conversation with someone that you wanted to end but didn’t want to appear rude? I like this picture because it’s a reminder that there are certain things that waste time. Time you can never get back. One thing I want to do is maximize my time and I can’t do that if I’m stuck in meaningless interactions with people who share the same characteristics as parasites. People will always want something from you but their demands should never dictate your life.

Power Perspective

I’ve always been a person who has had respect for people in power. I also think that it’s possible to have power without being in a position of power. In our world, many times power comes with money. The more money someone has, the more their opinion or perspective is respected. Because of this power, they can also influence others to a great extent. Power can also come from the set of initials behind or before your name. Initials like “M.D.” “J.D.” or “PhD” are generally more respected than “B.A.” “B.S.” or “M.A.” A few weeks ago I received a professional license that I’ve worked toward for the past 6 years. Along with credibility, one of the things that this license allows me to do is to sign a piece of paper that can hospitalize a person involuntarily for a certain period of time for evaluation. While there are certain parameters and guidelines that dictate when this option is appropriate, I get the opportunity to use my clinical judgment to see if those guidelines are met and I sign a piece of paper that can turn someone’s life upside down. My decision affects a lot of people including parents whose child is being taken out of their custody. Family members, friends and other people involved are all entities who can be impacted by the decision that I made. The thing about power is that it can be used as a means for good or for evil. It’s not a bad thing in itself, but it can be misused and mishandled. This can be especially true when people who are insecure are given an extremely large amount of power. All their decisions are made through the lens of their own self-identified deficiencies and the results are usually disastrous. I think that this is one of the reasons why it’s important to know who you are because power will only magnify your true character and your flaws  or strengths will be showcased in your decisions.

Black Coffee

I rarely make comments on movies but this particular one that is fairly new on Netflix deserves recognition. I must admit I am someone who is wary of black movies with black titles due to the fact that my experience has been less than satisfactory. Bad movies are best when watched with a group of friends because it’s a bonding experience. But I digress, this movie was one of the good ones. Without telling about the entire plot, I can say that this movie made my inner hopeless romantic very happy. It centers around a man and a woman who find out that they are soul mates. Before I go any further, I feel that it’s important to note that the leading and supporting actors are not only somewhat, if not actually talented but also easy on the as well. One thing I really appreciate is that the main male character is extremely articulate about what he wants in a significant other AND he demonstrates a willingness to step outside the box and pursue a new venture. Both of these are characteristics I wish more movies would portray in their scripts. Overall, I must say that I would recommend this movie because it makes you think about gender roles and the necessary things that make relationships last. And that’s something worth thinking about.

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Poor at 35

I ran across this article recently and the title of it caught my attention. The main assertion is that you deserve to be poor if you have reached the age of 35 still being poor. In a world where there are so many inequalities and everyone does not have the same opportunities, I think that such proclamations have to be taken with a grain of salt. However, the fact remains that we all have the opportunity of time. The 24 hours a day that we spend doing our daily habits is no different than the 24 hours that a billionaire is afforded. It’s all in how you spend it. My favorite sentence of the article: “You’re poor because you have no ambition.” This doesn’t necessarily always mean education in the traditional sense. We judge people who drop out of school without recognizing that school isn’t something that’s necessary to succeed. The fact of the matter is that by age 35 a lot of people have become set in their own ways. Their childhood dreams have given way to the harsh reality of adulthood and they are in the middle of making payments on their car, their house, and their student loans. A lot are married and/or raising children and just trying to survive. This makes it hard to think about retirement and all the places they’ve always resolved to travel but haven’t yet. I heard someone say that it’s a sin to die poor and while I don’t agree, I think that dying poor is something that many people would never choose to do. We have to remember the bigger picture while living day to day. It’s essential. Don’t let your dreams collect dust.

Assuming the Risks

I was a really interesting child growing up. My parents emphasized the importance of independence and doing things for yourself. However, they were by every definition pretty strict. I wasn’t allowed to wear colored nail police (only clear) and a host of other guidelines that were specific to our household I didn’t necessarily agree with. As a result, I learned ways around the rules that I decided were pointless. I decided from an early age that my parents were amateurs so I wouldn’t be too hard on them when they messed up the whole parenting thing. They were inexperienced so I would cut them some slack and not expect perfection because I knew they were trying even if their methods were highly flawed. With this perspective I proceeded to find ways to bend the rules. It was then that I had a childhood epiphany. While bending the rules or breaking them without getting caught required stealth, strategy and good timing, I had to make the decision before I broke the rules that I was willing to deal with the consequences of my actions. So it immediately became a toss up. Was the reward of breaking the rule bigger than that of the corresponding consequence? While this was a lesson I learned as a child, it also has larger ramifications. As adults, we are not usually subject to the discipline of parents but we can experience discipline from our jobs, from school, or other entities. Even as adults, it’s easy to make a decision without counting the cost. This can be especially true in situations where you have to make big decisions about careers, relationships, and goals. Sometimes you have to make a decision without having as much information as you’d like. However with the making of the decision you automatically assume all the risks and benefits that come along with making that particular decision. You are the one who deals with the consequences. You can’t pawn it off on others. But on the other hand, you are also the one who can benefit from your choices as well. You just have to make the right ones and then let the chips fall where they may.

Do what thou wilt

First off, I want to say that while the title of this blog may bring back memories of the picture of Jay-Z wearing a shirt with these words emblazoned on his chest. This actually something of a sequel to one of my previous posts, Stepping Away. Well, maybe. When I’m wearing my therapist hat I’m always working for the benefit of my client. I am incredibly conscious of my own ideas and biases and i have to mentally put them to the side so that I can be in the moment. There have been hundreds of times where I did not agree with my client’s actions. He or she may have done something that I would have never even dreamed about doing, but it happened. Many times my clients have negative consequences as a result of their actions and they must then pick up the pieces and live with the decision that they made. One thing I said a few posts ago is that sometimes you can only know that you’ve done good work by walking away from it and discovering if it will stand on its own. Recently I had the chance to witness the results of my work and it was a good feeling to see years of work finally coming together after a long period of doubting if the results would ever be what I wanted. While I can say that the results were not everything that I was hoping and dreaming for, they were perfect in their own context. There’s a certain freedom that comes from letting people make their own choices and empower themselves. While you may offer suggestions as to how do to it, the final decision is theirs. You don’t take responsibility for their actions and you don’t judge or criticize their choices. One thing that I’ve learned as a therapist is that you have to respect the choices of others. While one can manipulate and strategize all day, there is nothing like a definite decision your client makes that you know will help them to have a better quality of life. The flip side is that you have to also allow them to make those stupid decisions without chiming in and telling them what you would do if you were in their shoes. You respect their right to self-determination and are supportive instead of just telling them what they need to do. And that’s a good thing.

Got to get my heart back

As I was minding my business today I thought about this song. While it’s a couple of years old, it’s still one of my favorite songs. I can’t even really say that I’m a huge Keyshia Cole fan but I can appreciate the depth of the emotion in this song. The song speaks about wanting to get back to the way things used to be before emotions got involved. Keyshia sings about giving 110%  and even loving the other person more than herself saying that she would have done anything for them. Yet, it’s such a reminder that the affection and attention from one person does not make up a true relationship. There has to be some sort of reciprocity. Keyshia sings about this as she says that she just wants to get her heart back. After giving so much and loving so deeply, the realization that you aren’t loved in that same manner can be extremely sad. The song is definitely evidence of that and even the instrumental part alludes to a haunting memory that builds on the initial four notes you hear in the first bar. Interesting how Keyshia sings about getting her heart back, implying that it’s in the position of another. However, Keyshia never sings about taking the action to get her heart back, she just says that she has to do it.  Another things that stands out to me about the lyrics of the song is that Keyshia spends the entire time talking about how she wants to get back to the way that it used to be instead of expressing her desire to move on into her future. She wants to go back in the past before she even met the person. Thus saying that she really wishes that she never had the experience of loving that hard and getting nothing in return.

Starter Marriages

In the past few months I’ve witnessed or rather observed from a distance the demise of several marriages. While some of the marriages have been second marriages, there have been a few that have been in the category of what I like to call starter marriages. It’s the same concept as buying a starter house or even starter car. The only thing that you take from it is experience and it is a stepping stone to the object that you actually want. Starter marriages have been around for quite a while. I’ve met couples who have been together for decades but started out with a starter marriage where they had a different partner before they met “the one.” Starter marriages tend to happen when individuals are younger in age. Impulsivity, immaturity, and being “lovestruck” tend to play a big part in their formation. Both people have made the decision that they want to get married without truly counting the cost. They want the feeling of extra security while refusing to let go the single mindset and truly becoming a “we.” These couples are the ones you see arguing about the stupid petty stuff on a daily–even hourly basis because they never took the time to get to know the other person before marriage. Now that they are together, they see a lot of things differently and begin to get irritated quickly and even second guess their decision to marry. Both people refuse to compromise and as a result, they quickly learn that the only way to avoid arguments is to not talk, avoid each other, or bury themselves in other pursuits. This does NOTHING for the overall quality of the relationship. It’s at this point that most couples realize that they really don’t work as a couple. The newness has worn off. They are changing as people and their spouse is as well but they’ve never connected on that level so it starts to feel as if they are living with a stranger. Both people realize that their long term personal goals aren’t compatible and that they both want different things out of life. All this usually occurs within the first 1-3 years of marriage and hopefully before the couple decides to have any kids. The absence of kids allows both partner to separate without having to ever see each other again. They may even go as far as to have a divorce party to celebrate the ending of the worse decision of their life to date. Both people go on to live their lives and marry again with more experience and wisdom the second time around. Hopefully.

Annoying Homeschoolers

I ran into this article a few days ago and found it quite intriguing. I remembering people asking my mother questions about socialization and what we were missing in out in “real” school. While my social skills may not be the best known to man, I know plenty of kids who went to more traditional school and still exhibit a lack of social skills. Homeschooling gave me the freedom to do what I wanted (within reason). In a world where people are being taught the same thing, it’s nice to have the chance to think outside of the box. The thing about homeschooling is that it’s something that a lot of people do not understand. There is a societal expectation that children should be institutionalized between the hours of 8am to 3pm in order to learn the things they need to be able to succeed in life. The thought behind homeschooling is that learning can happen outside of those hours and that every kid is different and therefore they need more of a tailored educational plan. I was probably one of the annoying homeschoolers mentioned in the article growing up. I was a bookworm and somewhat of a know it all. Now, I will admit that homeschooled kids tend to stand out when compared to other kids. I’ve noticed it myself many times. However there’s something to be said about having an experience that many people have never had. Plus, I think that many times it is the un-homeschooled people who find homeschoolers annoying. But that’s just my opinion.