Archive for the ‘decisions’ Category
Ultimate Lifestyle Design: How Are You (Wasting) Spending Your Time?
Ultimate Lifestyle Design: How Are You Wasting Spending Your Time?
Read Time: 6 minutes
As an avid Lifestyle Design fanatic, I have to admit, I have been bugging all of my Facebook and twitter friends about this topic. I ask them, Which would you rather have? Time or Money? To which 99% reply, they’d rather have more TIME.
So my follow up question is, What is standing in the way of your ability to get more TIME? To which they all respond: Money or My Job. So it seems to me that most people draw the conclusion that inevitably TIME = MONEY. But is this really true?
Retiring
As I write this post, my wonderful father will be retiring in less than a week after having “served” the phone company for most of his adult life, 39 years to be exact. Started as a lineman and worked his way up into important management positions. I am so proud of my dad for making the decision to retire. They are financially secure and will have their house paid off in less than 2 months! A monumental undertaking!
I said to him, “You know, you’re the last of a dying breed.” He acknowledged and said that not many who retire after him will be receiving a pension and excellent benefits. This represented a major turn in our country’s work history going from Defined Benefits (Pensions) to Deferred Contributions (401Ks and the like). I guess my dad was one of the lucky ones, but he certainly did sacrifice a lot to get to this reward. But I do also know that part of him is terrified, not because of the money, but NOW, what does he do with his TIME??
What will be my reason to wake up in the morning?
“Kenz, [my dad’s nickname for me] I just don’t know what my reason for waking up in the morning will be if I don’t go to work.” Ugh! Just pulls at my heart strings, and of course, I mention 101 things he could do aside from he and my mother trying to kill each other for spending too much time together.
Retirement depression is so common among new retirees, that AARP addresses this issue on their website. Part of me is fearful that my dad will end up one of these statistics. These are some of the things that they mention that can curb retirement depression:
- What do I want to do? (Go back to school? Be a gourmet cook or master gardener? Start your own business?)
- Who do I want to do it with?
- What resources do I have?
- What resources would be available in a new community if I choose to relocate?
- How can I make this happen?
Now hold on a second… When I read this list, I was flabbergasted!! Why are we not doing this NOW? Why don’t we ask ourselves these very reflective questions today? Do we have to wait until we retire old to ask ourselves these questions…especially this one: How can I make it happen?
Opportunity Cost
I recently read a great book by a wonderful Author, Tisa L. Silver, MBA entitled The Time Value of Life. Tisa was an esteemed finance professor at the University of Delaware’s Alfred E. Lerner College of Business and Economics, and unlike many professors, takes a different (read: refreshing) approach in her view on money. In her book, she looks at several factors that play into the time value of money and then also explains why our time is so precious.
I obviously agree with her argument that, money is a renewable resource and time is not, “Time can be spent but only money can be replaced” (Silver). And one interesting concept that relates to both time and money is “Opportunity Cost.” In money terms, if you invest in a bond or other investment, you’re giving up your money for a certain period of time for someone to use it, and you forfeit any other benefit that you may have received by using that money in other investments (or to spend on yourself).
Time works the same way. There is an opportunity cost to time. When we spend our time being angry we are forfeiting our time that we could be using being joyous, happy, silly, or even indifferent. Even more deliberate than that, when we choose to spend our time doing what we feel is an obligation rather than a choice; we forfeit our time to do what we choose.
So there are choices with how you spend your time, every minute you spend holds an opportunity cost. Where and how are you spending your opportunity minutes?
If Only’s and Once I’s
Do you do this? Do you wish for something so badly and then once you get it, the result did not make you feel the way you thought it would?
Silver calls these fallacy statements, I call them “If Only’s and Once I’s”. We have all been victim of these statements. I remember my husband early in our marriage would say, “Once I become a police officer then everything will be alright, and I’ll be happy…finally.” Take a guess at what happened. Yep, he was the same person, no more or less happy!
Do you say this to yourself?
- Once I get that really nice sports car, then I’ll feel good about myself.
- If only I had more money then I’d be happier.
- Once the kids get older, then I’ll have more free time.
Fallacy statements do not allow us to spring into action, instead we wait for the “perfect timing” of an occurrence, or we wait for the occurrence to happen to us rather than go after it. We give up our power to be present in the NOW when we use fallacy statements. We would rather focus on wishful future events, rather than appreciate what we have in front of us.
How DO you Trade your Time?
I know what is true for me that I make a horrible employee, and prefer entrepreneurship. But I know a lot of people that LOVE their jobs and they make great employees, this is how they choose to trade their time, for money, and I think that is wonderful! I am not in the business to tell people to quit their jobs.
For these, the opportunity cost is a fair trade. They love what they’re spending their time doing at work, and gladly collect money for doing it. In fact, time seems to breeze by, they feel free in their life, and they don’t necessarily feel their time is being sucked dry.
There are, however, far more people that are miserable, hate their jobs and the opportunity trade off does not seem fair in their book. So then what?
The Timing is Never Right
You have options about how to spend your time, good and bad. If you’re spending it in a way that is not consistent with a fair opportunity trade, then you have a choice to change it. Sometimes it seems impossible, but you do have choices.
One of my favorite reads, The Four Hour Work Week, by Timothy Ferriss, tackles this very issue of deciding when the time is right. He describes the time he asked his mother about how she timed when she would have a baby, to which his mother responded, “We figured we would do it at some point, the timing is never perfect to have a baby”.
I can certainly attest to this one…and not just one baby, two! My older son was a surprise package when we least expected him, and our younger son came right before I was starting our mega venture business. The timing was so wrong for both of them, but if I waited until it was right, I likely would have no kids!! Yet I survived and realized that my worst case scenarios never usually manifest.
So with this in mind, are you waiting for perfect conditions to change? Are you waiting for someone else to tell you what to do you get your act in gear? You can do it the Band-Aid method, make it fast, and let it hurt for a few minutes until the stinging stops. Or like jumping into a cold pool, it is numbingly shocking, but then you warm up to it.
Every Day Opportunities
While my dad was one of the “lucky” ones to retire with a pension, he sacrificed a lot of time to get him to where he is at today. In fact my mom will argue that he was a work-a-holic. He did not know any different, it was in his programming. He is now faced with a totally foreign challenge, and that is to learn to have, do or be what he loves! Yet, what he did not realize all a long, is that he could have chosen that path every day!!
Which path are you on? One that misuses your opportunity cost? Or one to HAVE, DO and BE whatever you desire?
Leave a comment below and let me know!!
Many adventures to you!!

The Damage of Indecision: Why Doing Something is Better Than Doing Nothing
Do you ever get paralyzed with making a decision? Is it difficult for you to decide when hard choices confront you? You get scared and you get fearful, so instead you do nothing?
Well, indecision is sometimes a curse that befalls us all. We then procrastinate and then get nothing done. Napoleon Hill summarizes this paradigm in his book Think and Grow Rich and why it is damaging to our success. “ACCURATE analysis of over 25,000 men and women who had experienced failure, disclosed the fact that LACK OF DECISION was near the head of the list of the 30 major causes of FAILURE.”
We argue to ourselves that we need more time to think about it, and then we take more time, but often the decision gets cloudier the longer we think about things.
There are several types of personalities that struggle with indecision. There are those that make choices quickly thinking they have all of the information they need, only to back pedal on their decision days or even hours after making it. This is quite frustrating, even for these people because they have a difficult time getting things done, they have to undo and redo. Energy and time is wasted for their lack of decision.
The other personality type is those that fear any kind of decision at all. I call these people Analytic Paralytics…frozen with information overload. At some point in our lives most people hit this crossroad, especially when big decisions need to be made. We want so badly not to make mistakes, so we gather and gather and hunt for information. We ask questions, we seek advice, we get opinions….but the more information we gather, the more difficult it becomes to decide!
Indecision is paralyzing, it keeps us from our goals and our dreams! One thing for certain is that it will be unlikely that any one person will have 100% of the knowledge necessary to make a good decision, it’s just impossible! So, you are doomed to make bad decisions in your life, and that’s okay. Keeping this in mind, how bad might some of your decisions become?
Most decisions that we make are not irreversible, we can change them back if need be. I would even go as far as to say that 90% of the decisions we make are totally irreversible. If we decide we are not satisfied with the outcome of our decision, we can change it. So for the bulk of our decisions, they likely have little to no consequence, and are easily fixable if something goes wrong.
For the 10% of difficult decisions that may not be irreversible, we can ask ourselves these series of questions:
- Do I have choices? What are my choices? (A good teacher once told me one option is not a choice, it’s a consequence, two make a dilemma, and three make a choice.)
- Am I leaning toward one decision/choice and how do I feel about that choice? (Keeping in mind that fear is a healthy emotion surrounding change and decision.)
- What do I have to gain if I make this choice? And what do I have to lose?
- If I lose, how difficult will it be for me to recover?
- Lastly, what do I really want?
Going through a decision rubric such as this really brings down one’s fear levels regarding decision making. Our Ego mind is so quick to judge us! (How dare it!) It puts up the fear as safeguards to doing anything outside of your comfort level. But it inadvertently sabotages our success (are you going to let this happen? How dare it!)
Lastly, don’t let your indecision be the reason why you fail as Napoleon Hill points out. Make a decision, stick with it for a while, and if it doesn’t serve you, then change! What do you really have to lose?
Join on in the conversation and leave a comment below!!
For now, Many Adventures to You!
Makenzie
Does Pursuing Your Greatness Seem Arrogant to You?
I guess growing up, we are often taught to be humble. As children, say please and thank you. If you are given an award, it is fine to discuss it but not to brag about it. The bible teaches us that humility is a noble quality. Yet everyone has greatness hidden deep inside of themselves. It is that greatness that continually bubbles up and shows it’s face. But, who are you to be great?
So we run around in life, thinking that we are bound by limitations…who are we to be great?
We aim for small goals because failure is the reminder that we are not supposed to be great? Or is it?
So, here is the Makenzie Kelly take on this:
Everyone should and is supposed to pursue their GREATNESS!! And you know what? Sometimes your greatness is scary, and out-of-the-box, and totally unconventional! Yet, something magical happens when you connect to your greatness; suddenly the stars align, the universe bows, your enemies become your friends, and it FEELS Awesome!
And I would argue that you may be lying to yourself if you say “I have no Greatness!” Because in the depths of all of us, there is something that you deeply DESIRE to do, or FEEL compelled to do, or YEARN to BE! So many examples of this have occurred in our history. The Great Babe Ruth (forgive me because I’m a huge baseball fan!!) was GREAT at baseball. He was not discouraged by his strike-outs. In fact, he struck out more times than he hit the ball. So he did not say to himself “Man I’m a lousy Baseball player, I should just quit.” In fact, he continued to go to bat, for whatever reason (was it his greatness that compelled him? Was it his arrogance? Was it his ignorance? We may never truly know.)
It will never be perfect when you are pursuing your greatness. While the universe may align in your favor, there will be dramatic shifts in your perspective and your growth. You will be challenged in ways you have never imagined. Yet this challenging will help to propel your growth and your desire to be GREAT. Stick wtih it! You are meant for Greatness.….!!
And speaking of Greatness, I invite everyone to visit my NEW Website and Business: Freedom Venture Project
This is my Greatness Rearing It’s Head…! See you there! ~Makenzie

2 Days, 2 Climates, A Lost Treasure, A Found Identity
It started the Thursday before New Years, a last minute trip to take the kids to the snow. We promised them we would do a snow trip during Winter break, and so I found a cheap Hotel (not cheap as in dive…but cheap as in $49!) in Reno, and we set sail to the biggest little city in the world. Luckily, there is a Circus Circus there for the kids to immerse themselves in what I call “gambling for kids” or the arcade. To be honest, it was my husband that was the big roller here. You should have seen the streams of tickets that guy won!
Reno was fantastic and the kids had a blast… here is “Fluffy the snowman”:
we decided to make our snow day a snowman-challenge making day. I just hope that the Snowman doesn’t realize the kids were calling him Fluffy, I am sure he would have preferred to be called “IceMan” or something like that.
On our way home from Reno, I get the confirmation that we will be needing to drive to Los Angeles the next day. I was getting rid of my Range Rover, and the buyer was in LA. The Range Rover was a casualty of my decision to retire. Not being active in the business anymore did not necessitate the need for the vehicle and the tax issues would get sticky, so it had to go. Plus, I was unwilling to drop $925/mo on a car payment from my personal funds ugh! Certain logic ruled in this instance.
We spent one night in our own beds, and the next morning, on the road again for five hours to LA. The accommodations were not as nice, the hotel was 2xs the cost and there were no blinking lights or dancing clowns. Yet, as always, we managed to have fun, and made our way to Hermosa Beach the next day to bask in the Southern California sun. 70 degrees, warm sand, surfers in the water, it was a typical SoCal winter. Ahhh, I love the sun.
The hand-off of the Range Rover occurred seamlessly, the new owner, a late 20’s something New Yorker-turned-LAer-turned-High-Roller was now in proud possession of the beautiful silver SUV. I showed him the bells and whistles, he signed the papers, and that was the last that I saw of my luxury vehicle.
We then got on “the” 405 freeway to “the” 710 and were on our way to the Long Beach aquarium, when it hit me…the lump in my throat wouldn’t go away. I tried to cough, no. I tried to gag, no. It wouldn’t go away, then I got short of breath. Was this a panic attack? The tears started to roll down my face, I was driving a car that I was unfamiliar with, on a busy LA freeway…oh no. Sniffle, cough, gag, sniffle.
I just gave up my prized possession, handed the keys over to a perfect stranger! I loved that car.…people loved that car. If I had a dollar for every time a man said to me, “My wife so badly wants a car like that…!”
My darling husband was speechless because I had been so “matter-of-fact” about needing to get rid of the car for the last two months. “But my Satellite radio, and my seat heaters…I don’t have those in the Explorer!!”, I continued to sniffle and cough and gag. It just won’t be the same.
I parked the rental car, and dried off my eyes, and heard a deep-down voice say to me:
“No Makenzie, this is not what you want, that is your Ego talking and not your true self. Your true self wants to spend those precious moments with your kids. If you keep that car, you will need to get a job instead of spending time with your kids. Your true self wants to design the life that you want. Your ego wants things and approval. Your ego has failed you countless times. Now is the time to listen to your true self.”
That car wasn’t who I was, it didn’t matter to my kids what kind of car I drove. It was not a difficult decision to make logically, or financially…but the ego and emotional play was far bigger than I anticipated.
I think this is what happens often when people get “stuck” in a situation. They fear that dialogue with their ego…the one that asks them, “What will people think?” or tells them “You are not smart enough to try something new, you will surely fail…and then…what will people say?” They are so afraid that their Ego, rather than their True Self, is right, that they stall and say things like, “It’s just not that easy” or “Life is complicated.”
Well, life is not complicated, as I am here to tell you. Our family continues to overcome adversity with physical injuries, career changes, fledgling financial markets. But really, our life is simple:
We Love each other, We spend time together, We enjoy adventure.
That’s it.
Many adventures to you!
Makenzie
How to Retire at 33
Okay, so I am giving away my age with this post, but that’s okay. I already told everyone I was about 12 pounds overweight in the prior post!
I really wanted to share with everyone how exceptionally excited I am to have Retired! I guess I like to use the term Retire because it really epitomizes the mindset that I have taken regarding my new life transition.
Some define retire as:
To withdraw from one’s occupation, business, or office
To fall back or retreat, as from battle
To move back or away; recede.
I have definitely withdrawn.…
I moved back or almost like the tide, I’ve receded. Yet, I really enjoy the second definition, as I’ve fallen back or retreated as from battle! Wow! I definitely felt like I was in a losing TIME battle, and with the decision to fall back, I have regained my Life! Deciding not to continue to fight the battle doesn’t always mean you lose. Sometimes you find out that you’re only battling yourself, you are your worst enemy in some situations.
Retiring young DOES NOT mean:
- you don’t earn income
- you’ll sleep all day and then wake long enough to move to your rocking chair
- you search out public assistance to sustain your existence
- you don’t do any work at all
Well what the heck do I mean then?
This type of retirement stinks

How DID I retire at 33?
- recognized my desire to retreat from my TIME Battle
- decided my income could be replaced with other businesses and income ventures
- had a mindset that everyday is a gift I would enjoy each one
- relied on careful planning, strong support and fantastic advisers
- set my intention on creating prosperity
- kept my eyes open for opportunities
Itch Your Niche — Part II: What I Want to be When I Grow Up.
Part II of “I don’t know what I want to be when I grow up!” we explore finding your niche…or what really inspires you.
[I write this for one of my very talented friends that could do almost anything but she is struggling with finding that “niche”. ]

Inevitably I was fooled by thinking that when one graduates college, or even high school, that the fairy-career-mother strikes you over the head with what you are destined to be for the rest of your life. This has never happened to me, and from my discussions with all of my 20–50 year old peers, this is not the case for them either.
Don’t Always Follow the Leaders
My dad has worked at AT&T for his entire career. He is the exception not the rule. My mom on the other hand has worked in quite possibly every industry there is: Amway, Real Estate, UPS, Finance Brokerage, even Taco Bell. There may not be just ONE right career or business for your, but maybe several.
Minds change, societies change and so do economies. Thinking that you will be in one career or business for the rest of your life may lead to perpetual disappointment. Your career or your business might someday be extinct is another possibility.
In the early 1900’s, the typewriter manufacturers and businesses were living high on their profits. Little did they know that just a few decades later, the basic word processors would become extravagantly popular. Oh but that’s just a fad! Or so they thought.
The need for telegrams – extinct as the telephones and faxes became more prevalent. Medical transcriptionists? Maybe soon to be extinct as voice transcription technology is improving.
Don’t get stuck on one idea as the end-all-be-all. Be as flexible as the kelp in the ocean, flowing with the tide…and ready to break free and catch the wave to the shore.
I want to stress that, it is important to be adaptable, and adjust to the current market. It doesn’t mean you won’t be doing what you love; just keep your eyes open for the opportunities instead of stuck on ONE idea.
Be Like a Blackberry
As Wallace D. Wattles explains in his book “The Science of Getting Rich” , you must provide more in use value than you receive in Cash value. Is the niche that you are looking at getting into going to provide more to your employer or your customers than maybe you receive in cash?
At first I thought his thinking was backward, “Um hello? I need to get paid too!” But it is a very simple philosophy.
I like to take for example my Blackberry. I paid $100 for my blackberry plus a monthly fee. I could argue that my blackberry is worth many times that amount because the use value that I receive is far greater than the actual value. I can’t count how many times I have been able to close a deal, or keep big disasters from occurring because I had my little information portal attached to my hip. So my thought is that the blackberry is worth far more than the $100 and the monthly fee that I pay for the service.
Ask yourself, what skills or knowledge do I have that is worth value? Is my employer or my customer in need of the value that I can provide them? What am I really good at doing?
Phone a Friend
Everyone knows the old adage about opinions….everyone has one? Yet, listen intently on what your friends, coworkers, or families are saying about your talents. Are you great at baking? Are you great at strategizing? Can you sell ice to Eskimos?
The lesson here is that, although YOU may think you know what you are good at; it is difficult to stand and view your own talents from third person.
If you are truly trying to find your niche, maybe this is a good time to get others involved and seek feedback regarding your talents. It could be as easy as sending out a simple survey asking others to answer what they think are your talents. Don’t forget to offer to buy them coffee for completing it!
Finding your niche is a process that considers the external environment and your internal talents. With the right effort and some help from others, you may be on the right path to coming up with your Dream Life!
Are You Living the Dream? Part 1: What I want to be when I grow up

Are you still trying to decide what to be when you grow up? Regardless of what you consider grown up: Are you doing what you want to right now? How did you get here?
When I blasted out to my Facebook friends asking them about “What did you want to be when you grow up?” I got varied responses and some said they are still trying to figure it out. But one good friend sticks out in my mind when she said: “I certainly didn’t want to be a Dish Washer when I grew up.”
Your story is different from my story but what might be the common thread is that you may be in a life that you feel trapped or it is in conflict with your values. What I mean by this is not that your boss may be asking you to steal….but perhaps you have a strong value for creativity, and you are auditing spreadsheets every day!! Ugh!
Are you really hearing that voice inside of you that is dissatisfied? Is your value freedom? Freedom from feeling trapped by a job? Or is your value security? Do you like having a secure job? None of these values are wrong, they are yours and you should own them.
YOUR PERSONAL MISSION STATEMENT
Some are struggling with clarity about what is their true calling in life. I still don’t know what I want to be when I grow up!!! And let me tell you that this is okay too because no one needs to decide right now. But when you find that calling, you will know it because you will stay awake all night and be excited all day to bring into fruition your new found occupation.
Perhaps also, we should view this from another angle: Instead of deciding what you want to DO every day to create money (which is what so many people fall prey to) What do you want to BE???
One tool that I use to determine what I want to be is a personal mission statement. It is simple to write a personal mission statement here is mine.
My personal mission statement defines what I want to be:
• I want to be a creative entrepreneur that makes passive income allowing me time and money to spend with my family, to also have adventure, and help others lead successful lives.
No where does this say what industry I will work in, nowhere does this exclude me from certain things. This is important because your mission statement should be flexible to allow for a change of mind, yet be structured enough to give you a roadmap. This mission statement outlines your personal values, what you want to BE and what you WILL achieve by being this person. My personal values are tightly linked to freedom, time and helping others. What are your values? Honesty? Power? Family? Love? Adventure? Etc…
What values do you think are important to you? What do you like doing and as a result, what might you like to be?
I found great satisfaction in working as a Paramedic because I was able to both have adventure and help others. Yet, it ended up not being totally fulfilling because it did not allow me the time with my family that I needed.
Experiment with your personal mission statement. I would love to hear it! What’s holding you back from Living your Dream?
Recommended Reading:
The Monk and the Riddle by Randy Komisar
Crush It! Gary Vaynerchuk
Refuse to Choose by Barbara Sher
