Monthly Archives: September 2020

How to Prevent Your Adult Children from Living at Home Forever

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Little did I realize when I was old enough to make the statement, “Kids today…” what I was actually referring to was adult kids today. In today’s generation, young adults live at home for a much extended period than ever before. Don’t get me wrong, there are some advantages to staying at home that include saving money, seeing your family on a daily basis, and security. When one comes from a financially secure family, there is no need to worry about if there is going to be food on the table or if the mortgage/rent along with other living expenses are going to be paid on time. All sounds well and good but allowing adult children to stay home without much of a deadline or expiration date aka expectation for them to leave, this is actually hindering them from becoming an independent adult and allowing them to create their own security for themselves. As parents, one of the greatest gifts that can be provided for their children is to teach them how to stand on their own two feet as opposed to giving everything or doing everything for them which puts them in the adult children category. So how exactly can you encourage young adults to want to grow up and move out already?

Plant the Seed When They Are Young – It is extremely important to start with a strong foundation from the very start of their childhood. In order to do this, you need to set high expectations for your children, especially as they become young adults. If they understand what their expectations are along with ways in which they can meet their expectations, chances are they will automatically rise to the occasion without much of a push needed.

Teach Them Life Skills – This is absolutely crucial in their own personal self development that will carry them throughout life. If you take the time to teach basic life skills like how to manage money effectively, do basic things autonomously, and to be independent, then once they are old enough to live on their own, they will have all the tools in the tool belt (in this case, life skills) to make it happen and quite successfully too might I add.

Stop Doing Everything for Them – Parents tend to want to do everything for their children. If you continue to do things such as their laundry, cooking all their meals, and much more, then why would there ever be an incentive to leave this scenario? By continuing to do everything, this also could potentially promote laziness, which is never an attractive quality.

Give Extra Responsibilities – If they are not motivated to move out on their own, then there should be extra responsibilities around the house or to benefit the family more. This can be a combination of having them contribute financially in some way along with added chores such as having them do the grocery shopping, clean the bathrooms, cook meals for the family, etc. At least this way, they are contributing in some way, learning how to become more responsible, and hopefully by assigning too much to them, this will serve as a huge incentive for them to start the process of looking for places to live.

Guide Them Every Step of the Way – Over time, it can be a very touchy subject to bring up the idea of moving out and often become the elephant in the room. Rather than shaming them or placing an ultimatum, it is wise to guide them in the direction of moving out. This can be done by assisting them in looking for listings for a place to rent/buy, find ways to help them save money, offer to help in any way once they begin the moving process, and much more. It can be a scary transition for certain people to move out for the first time so any way you can ease them will be much appreciated.

Although it might be too late to take back their childhood in terms of how you raised your kids, that does not mean it is ever too late to make some changes for their future. It might be much more difficult but it can definitely be done if you take the time to focus on promoting them to grow up and be independent adults. It might take many baby steps to get to the end goal of having an adult child move out but ultimately it will lead to the greater good along with elevating their self confidence and self worth.

Why Couples Should Have Separate Bank Accounts

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It has been said that one of the most common reasons for a relationship or marriage to end is due to financial matters. This can range from having two people with completely different spending habits to someone making substantially more money than the other person which can cause some level of resentment over time. (On the other hand, for some couples, this might not even be a deal breaker–it really depends on each person’s values). Before getting too seriously involved with someone, it is important to make sure you are financially compatible with someone. By that, I mean that you have some sense of how they value their money (ex: are they better at spending or saving?) and how much they have (not exact figures but things such as approximate salary, debts, etc.) Knowing this information is valuable along with discussing financial expectations as people’s views on money management can be radically different.

Once two people have established they are relatively on the same page financially, I advise to always keep bank accounts separate to prevent financial problems to arise later on within the relationship.

Each Partner Can Still Maintain Financial Independence – This is probably the most important reason for keeping things separate as it allows for both people to make their own money and do what they want with it. When there is a joint account, often times there could be arguments such as, “Why did you spend that much money on going out this week?” When both people have access to the account, there is less control on how the money is spent causing one person to get mad at the other on how the joint money is spent outside of their monthly bills.

Both People Can Take Financial Responsibility – It is good for each partner to be able to contribute financially on some level. Although it is easy to just split everything down the middle, this often times is not the case. By assigning certain monthly bills to each person to come out of their own individual account, this holds everyone accountable instead of relying on one person to be completely in charge of the finances. Although this can successfully work in certain relationships where one person is fully in charge, the downside to this is that if something happens to this person, this leaves the other person incapable of managing the finances on their own or at all.

One Person Makes Significantly More Money That the Other – If one person is making much more money than the other person, I think it is only fair for there to be separate bank accounts as the person who is making more should be entitled to be able to keep some of it for themselves as well. If everything is put together, the person who is not contributing as much could take advantage or feel a sense of guilt if they are unable to level up to their partners financially. When accounts are kept separately, this avoids potential problems or tension to build up over time.

There are pros and cons to everything including the subject matter of whether or not couples should have a joint or separate bank account. In the long run, the benefits of having a separate bank account typically outweigh the benefits of a joint account in today’s modern world, especially now where we live in a society where most households are two income households. Of course everything is situational in which it is important to have these conversations with your partner to see where each person stands on finances and what option is best for each partner.

5 Insightful Quotes to Live by Ruth Bader Ginsburg

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In memory of Ruth Bader Ginsburg, the Supreme Court Justice and women’s right activist known as the “Notorious RBG,” I thought it would be best to share some of her famous quotes which capture the essence of who she was along with ones I believe can add value to people’s lives including my own.

“Fight for the things that you care about, but do it in a way that will lead others to join you.”

“My mother told me to be a lady. And for her, that meant be your own person, be independent.”

“Reacting in anger or annoyance will not advance one’s ability to persuade.”

“You can’t have it all, all at once. Who—man or woman—has it all, all at once? Over my lifespan I think I have had it all. But in different periods of time things were rough. And if you have a caring life partner, you help the other person when that person needs it.”

“If you are going to be a lawyer and just practice your profession, you have a skill—very much like a plumber. But if you want to be a true professional, you will do something outside yourself… something that makes life a little better for people less fortunate than you.”

“I Want to Take Things Slow” – What is the Translation?

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When dating, the way in which the relationship is paced can vary depending on various factors such as the comfort level of the individual and what the ultimate relationship goals are. Sometimes a person will flat out declare, “I want to take things slow.” I think this can be interpreted in one of many ways and there is not exactly one definitive answer as to what this means. There are certain instances it is apparent the reasoning while other times, you just need to be patient to better understand the other person’s point of view, especially if there is not much clarity to back it up.

Not Fully Out of Last Relationship – If there are any loose ends from their last relationship or a person has not mentally recovered from the outcome of their last relationship, it can be expected that the person will want to move at a slower pace before getting too deep into the next relationship they pursue.

Fear of Commitment – Not everyone is able to fully commit to someone or are in a place in their life where they want that at the present moment. Typically if someone is not interested in a commitment, it is just easier to say they ‘want to take it slow’ than to completely spell out their true intentions–especially if this puts them at risk that the other person won’t want to stay unless there is a commitment. Keep in mind, if the reason stems from a fear of commitment or simply not wanting to commit to you, the person might never be ready or it could take an extended period of time.

Not Wanting to Be Vulnerable – It can take certain people a very long time to open up to another person. In addition, some prefer to protect their feelings out of the fear of getting rejected or abandoned in the long run. So rather than emotionally connecting to the person they are dating, to protect oneself from potentially getting hurt, the person will tend to be more guarded when proceeding with any relationship.

Multiple Options – When someone has multiple options, there is no need to really progress any of their personal relationships on a fast track because they want to compare all of their options and see which person is the best match out of all the options on hand. They might also enjoy dating multiple people or not be looking for anything serious in which none of their options will end up turning into serious leads.

Setting Boundaries – It is important to set boundaries in any relationship and sometimes this is said to do exactly that. By making this statement, it signifies to the other person to not ask for too much too soon while also putting a slight psychological wall up. It might just take some time for them to feel comfortable around you and for their boundaries to slowly come down.

Moving Too Fast Too Soon – Maybe the style in which the relationship started moved at a much quicker pace than they were ready for or perhaps their previous relationship moved too fast in which they are more consciously aware that they want to slow things down and pump the brakes a little bit.

Interest Level is Uncertain – If someone is unsure where they stand with their feelings towards someone, it makes sense to want to take things slow. It does not mean the person does not like you, their level of interest just might not have reached an intense level where they are 100% all in. Attraction is not always an instant spark but often times can be a slow build between two people which could very well have started out as friends and potentially lead into something deeper over time.

Very Focused on Career/Goals – People who are extremely focused on their careers, school, and other life goals typically do not prioritize their personal relationships. This is not to say they do not have an interest in pursuing one, it just means the person has many obligations which can prevent them from giving as much as they can within a relationship so it is to their advantage “to take things slow” so they can still stay focused on their goals while exploring the idea of building a new relationship.

One Day at a Time Approach – Some people approach just about all their relationships and many other areas of their lives on a day-by-day basis. There is nothing wrong with that as some people just need more time before really transitioning the relationship into a more serious one. This is the play it safe route and applies to someone who pursues most things with caution and mindfulness.

There are many reasons why people may want to take things at a slower rate which might feel like a negative thing initially but it does not necessarily have to translate this way. It really comes down to the personality, past relationship experience, life goals, dating preferences, and other individual factors that can dictate the pace in which they want their relationship to unfold. Some people like to move at a slower rate while others move more quickly but at the end of the day, you need to be respectful towards the needs of the other person while also keeping in mind what you are truly looking for. If you find things are not progressing at the rate you feel comfortable with, you can choose to be patient or to move on altogether.

Is Solo Travel for You – 5 Questions to Ask Yourself

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I believe that any opportunity to travel is always a wonderful experience as it allows you to see new places and explore things that are different from your everyday daily life. Often times people plan a trip with a friend, family member, significant other, or perhaps with a small group of people. However, have you ever considered traveling alone? Solo travel is the term to describe exactly that, planning a trip by yourself. It might be expected you naturally would want to share a travel experience with someone else but there is definitely nothing wrong with going somewhere by yourself.

Before you go ahead and plan a solo trip, there are a few things you should ask yourself to see if it is the right choice for you.

Am I okay with going on a vacation by myself while fully being able to enjoy myself? – This is probably the most important question to first ask yourself. If you are a little scared with the idea of traveling by yourself, think about how many activities you currently do by yourself. I look at it like this, if I am someone who does a good majority of daily things by myself, then traveling should not feel much different. If the idea scares you, maybe start off with a local trip and see how you feel about that first. If you enjoyed it, then you can consider taking it to the next level and planning something bigger. In life, it is good to step outside your comfort zone but as I mentioned, it can still be done in baby steps.

Do I have the time to plan a getaway? – If you do not really have the spare time to go then I would say either make time for it or wait until your schedule frees up. Without the actual time needed to plan a trip, it is not something you can really book until you have the actual availability to go.

Do I have the money to go? – When planning a trip with someone else, budgeting is usually easier as you get to split the accommodations and other activities with the person you are traveling with. When you plan a trip by yourself, be prepared for every little expense from the big expenses like flight and accommodations to the small things like food, souvenirs, etc. Traveling can get expensive very fast depending on the destination (also keep in mind with currency exchange rates, your currency might not be worth as much in certain countries). It is important to travel within your means and if going by yourself is going to be too much of an expense, it might be better to plan a trip with someone to keep costs down or to save money up so you can comfortably travel by yourself without breaking the bank.

Do I have the passion to go on the trip, even if that means I am by myself? – If you have a deep desire to go to a destination with or without someone, then I would say it is worth looking into. Remember, even if you are traveling by yourself, that does not mean you have to be completely alone at all times. You can sign up for group tours and be in situations where you meet other people along the way such as other tourists like yourself or locals who can make recommendations of things to check out during your stay.

Will I feel safe going to this destination alone? – Your sense of personal safety is definitely an important factor when deciding whether or not to go on a solo trip. There are certain places that I think might be enjoyed better with the company of others and as a safety net while there are places that are known to be incredibly safe to go to on your own. This is research you can do on your own if you are unsure whether or not you can venture to the destination safely.

Solo travel might be a scary thought to some but absolutely liberating to someone else. I can tell you from my personal experience, I have done it once (so far) and it was one of the best decisions of my life. By that, I can confirm I had a wonderful time and I would absolutely do it again in the future.

5 Ways to Improve the Quality of Your Life Starting Today

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Over the years, I have taken the time to really appreciate the quality of life which for me means having more time to myself for leisure activities, an active social life, and of course much needed alone time to feel fully recharged. I strongly believe in hard work but it is just as important to be able to enjoy life–whatever that means to you.

Take Care of Yourself by Adapting a Healthier Lifestyle – I always preach about developing healthy habits which can include eating higher quality foods and paying attention to portion control. It is okay to indulge but again, it is all about keeping everything within moderation. Besides a good diet, taking the time to exercise each day is also very important for increasing your longevity and overall well being.

Make Time for Vacations and Day Trips – People who work a lot often times do not take the time to actually plan a real vacation. I would suggest thinking about new places you want to explore and putting the money aside for it including the flight, accommodations, and entertainment money. Besides planning at least one big vacation, it is also good to plan long weekends and local day trips. Life experiences like travel are incredibly rewarding so be sure to make the time for it.

Stay Organized in All Areas of Your Life – Organization is such an important life skill but one that sometimes gets overlooked, especially when you are super busy. This can first start within your home and your surroundings by making a conscious effort to keep these areas neat and clutter free. If that means getting rid of items that are not practical, then take the time to do so. Aside from your living space, it is also a good habit to keep a planner or to do lists to keep your actual life organized or at least provide some structure. This will help you improve the quality of your life by allowing you to gain more control of how you spend your time each day.

Sleep More – Take Naps If Needed – When you work full time and have what it feels like ten million responsibilities each day, it is very easy to cut back on the amount of sleep you are getting each night. If this applies to you, I would suggest finding spare time in your day where you can take a power nap or by getting in the habit of going to bed earlier or sleeping in a little if you have a schedule that can allow for that.

Turn Cell Phone Notifications Off – It is really hard to imagine life without a cell phone nowadays. As much as it has improved the quality of our lives by allowing us to easily stay connected with others, have information at our finger tips, and apps for just about anything, there also comes a time it is healthy to turn the notifications off. If you are with other company, trying to be productive, working, or in a situation where you do not need to be attached to your phone, it is okay to put it aside and not check it for a few hours. You would be amazed how much quality time you can add back to your everyday life just by putting your cell phone down every so often.

This is just a short list of suggestions for improving the quality of your life that have really worked for me in recent years and are good things to apply if you do not already. All it takes is some added mindfulness and taking small steps to make these daily changes that will make an impact over time.

When Words Are a Facade and So Are Actions – What to Look For Instead

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There is the common saying, “Actions speak louder than words.” While there is much truth to that, I never fully agreed with that statement because some people are actually better with their words. They are more easily able to express themselves than others with words and articulate their true intent better than conveying it through their actions. They are the type you can take at face value because they say what they mean.

Then there are people who can relate more to that statement where their actions carry more weight than their words because what they say is not what they mean or they simply don’t say anything at all to express themselves. Although they may not have the capacity to really say what is on their mind per se or while also being the ones to talk a good game but their words mean nothing, then their actions will show their true hand more often than not.

In a perfect world, people’s words and actions should be pretty in line with each other. However, we all know that this often times is not the case. People tend to send what appears to be mixed messages where what they say (or don’t say) is not in harmony with what they do OR vice versa where an action does not match up whatsoever with something they said. So now what? How do you understand the underlying truth?

Solution: Pay attention to the person’s PATTERNS. This is not always an easy task if encountering a stranger or someone you do not know too well but if it is someone that you know well such as a friend, family member, co-worker, etc. then it should be a little easier to pick it up. Patterns really dictate most what a person is thinking, feeling, wanting, and provide an overall picture of this person’s intent. It is important to examine people’s patterns because this will give you better clarity and hopefully some consistency when things on the surface seem a little grey and fuzzy.

While many people are not always able to express themselves through their words or their actions at the same time, look at which more outweighs the other (words vs. actions) by observing the patterns within their behavior. It is a good practice to sit back and make some mental observations while also using your intuition as a guide. There is a reason why we have intuition, we just have to trust it more.

Achieve Your Goals with Exceptional Habits

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I think before achieving any sort of goal, everything does originate within the mind. What do you think about? What are you looking to achieve? More importantly, how badly do you want these things? I am a big believer of taking the time to write your goals down on paper so it is more tangible and you can look at them on a regular basis to remind yourself of these goals.

However, let’s be real–staring at your goals each day is a good initial step to get the manifestation process going and making them a reality but you’re going to have to do much more to achieve them. The next component requires being proactive and taking action with the necessary stepping stones to make it happen. This is where many people fail reaching their end goal due to a lack of patience, giving up too easily when the going gets tough, and the fear of failing–along with other limitations (aka excuses).

So how can you really manifest your deepest dreams and desires? It is crucial to focus more on your habits even more than the end goal because your habits will allow you to get on the path that you want to be on. For example, often times you see new people at the gym in the beginning of a new year only to find that they completely drop off within a matter of weeks or even a month. Their main goal could be to lose weight in which taking action by obtaining a gym membership was definitely a step in the right direction. However, if the person was not getting the results they wanted, they might end up quitting too soon in which they gave up on a positive habit which could easily deter them from their end goal of losing weight. This is absolutely why you need to focus on your habits and developing good ones by knowing that over time, these habits will lead you to achieving your goals. You might have days where your habits are not as good as others but that is where you need to consistently focus on developing them and adapting them in your every day life.

Why Do Some People Have Types While Others Don’t? / Do You Still Have a Chance if You are Not Someone’s Type?

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Most people consciously or unconsciously have a “type” although this might not be the case for everyone. For those who do not have a type, this could be due to the fact that the person lacks dating experience, does not have preset preferences, or possesses an open minded mindset when dating. Some people truly just do not know what they are looking for so they do not have a preconceived notion of the type of person they want to be with. Others might not be too picky because they lack an abundance mindset and think more along the lines of, “Beggars can’t be choosers” meaning having a type just does not even exist in their mind because they believe their options are limited to begin with.

Although by type, this is often looks based, this could also include other criteria involved such as education, profession, etc. Those who have a set type can have one for numerous reasons. For one, the person might associate certain traits with a certain look. A woman might be attracted to an older man not based on his looks necessarily but because she associates an older man to be more established, financially stable, and to be a provider which might be all things she highly values in a partner.

Another consideration is when someone has a failed relationship, it is quite common to see the person choose the same type, whether they realize it or proactively choose to. This could occur because they are not fully over their ex and there were certain characteristics or a look that this person had in which they want to recreate that again in their future dating life. This would mean by default, they end up choosing someone who can look very similar to someone who they previously dated.

Furthermore, a type often is developed during a person’s childhood and within the environment they grew up in. This can happen in one of two ways. There could be a certain look that a person might not have been exposed to as often growing up which actually piques their interest due to scarcity which in turn makes this type more valuable in the eyes of the beholder OR the opposite where a certain type they were overly exposed to or had positive experiences with could be their type because they just naturally feel comfortable around them.

There are also certain people who are laser focused on what they want in life and know what they are looking for. This category typically has a specific type in their mind so until they find someone who fits the mold, they will not be too interested in those who are not their “type.”

So what does this mean if you are not exactly someone’s type? Does this mean you do not have a chance with this person? The answer is no! If you understand what it is about their type that they most value, have some understanding of their love map, and a good amount of patience, then you can still attract this person into your life and perhaps make them fall completely in love with you. As specific as someone might be about what they are looking for, you would be amazed how often the person can still equally fall for someone who is not their type whatsoever. I see it happen all the time and it has even happened to me. This is because love [often times] is not a rational choice so never think you do not have a chance with someone if you’re not someone who they would normally go for because you might very well be able to prove them otherwise. 😉