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Risks to your Life and Wealth

When you see lightning, you go inside.

When you see a shark, you get out of the water.

Even though the chances of getting struck by lightning or getting attacked by a shark are minute, we still take them very seriously. Regrettably, as we learn, there are many things more dangerous to our health and wealth that we may entirely ignore even in the face of the signs and warnings.  

Thor the God of Thunder probably won’t be showing up on your doorstep with his magical hammer to warn you of twenty things you should be doing to protect your health and wellbeing, so I will have to suffice. I just hope you trust me enough to listen because it could just save your life and your bank account.

Odds are you most likely believe that your life is much less treacherous than it really is.

Let’s take a moment, I am sure you think you’ve been “playing it safe.” Below are ten typical examples that may fool you into believing you take your risks more seriously than you think:

1.  Wearing your seatbelt.

2.  Quitting smoking. (and if not, what are you waiting for?)  

3.  And if you did smoke, you surely never did it while filling your gas tank with your car still running right?  

4.  Locking your house up.

5.  Keeping your fire alarm batteries changed.  

6.  You have kept the house child proofed and you little nuggets aren’t able to get into anything they aren’t supposed to.

7.  You keep those little nuggets in their car seat until they reach a certain age and weight.

8.  Making your kids wear a helmet and elbow pads when their training wheels come off.  

9.  Changing your passwords to evade the terrors of the “dark web.” 

10.  You sterilize your hands with a squirt of antibacterial lotion that you don’t keep far out of reach.

When it comes to “risks” you might be more neglectful than you think.

If you perform more than five of the things above and feel pretty good about yourself and your “risk prevention” don’t give yourself too many “at a boys” just yet. Before we cover twenty things to live a happier, healthier and wealthier life, this next list may have you shaking your head with woe instead. Take a look at these fifteen things and see if you participated in any of them. If you have, the final two lists should help expand your views on what is truly “treacherous.”

1.  Using whitening toothpaste, but not flossing.

2.  Buying in surplus and using Amazon Prime to score free shipping, but you spend much more.

3.  Buying exercise equipment that becomes either a collector of dust or clothes hangers.

4.  Ordering a kale salad only to lose sight of it under 500 calories of dressing.

5.  You are never late for a movie but you can’t get to sleep on time.

6.  Going to the movies yet you are paying a monthly cable bill for 1000 channels that you don’t watch.

7.  Drinking water out of the tap for you is a personal no-no, but you will chug down energy drinks filled with chemicals you can’t pronounce.

8.  You’re checking your social media “likes” more in an hour than you do your vital health statistics in a year.

9.  You’re not making time to lift weights because if you do it could make you “bulky,” but you’re eating fast food because you are in a rush.

10.  You absolutely will not drink milk a day after it might go bad, but you maintain a relationship that has been bad for years.

11.  You feel great your new store credit card has 0% APR for the first 6 months. Yet you still pay the monthly minimum anyway.

12.  Making sure that the Starbucks reusable cup you bought is always full of coffee yet you show less concern for your own hydration level.

13.  Your changing phone plans so you can “save money” and you end up spending more on a new phone.

14.  You sit hours each day with “text neck” but when its selfie time on Snapchat you take a picture ten times to ensure that your posture looks perfect.

15.  Wasting one extra minute and fast forward through a DVR commercial is out of the question but spending decades at a job you don’t like is your norm.

You simply endure some risks because you don’t give them the same importance.

Did the list above put a nervous grin on your face? If you have been guilty of performing any of those actions above, you should agree it is time to perform a risk assessment on your life. To help you do this, I created two lists of ten things that should help you to update what you think should be treacherous to the appropriate levels. Want to lead a treacherous life? Then keep worrying more about drinking out of your faucet or the mercury levels of your ahi tuna dinner than you do the list below:

Ten Things Treacherous To Your Health

1.  Maintaining No Regular Check-ups

If you check-in regularly at the gluten free aisle, but not with your doctor, that needs to change. Monitoring your health with a weigh-in, stress test, and blood workup is essential.

2. Living A Sedentary Lifestyle 

Spending most of the day sitting and not having an exercise plan or routine? Then it’s time to get up, get a plan for daily movement and make sure weights are part of the equation.

3.  Consuming Too Much/Bad Food 

Are ensure your microwave plastics are BPA free, but fill them with too many calories of processed foods? Time to monitor your macros, while you are at it, make sure your food comes from good sources and drink more water.

4.  Sleep Deprivation

If you’re tired every day, don’t wear it like it’s a badge of honor. It is a health risk of the highest importance. Get 6-8 hours of sleep a night, don’t hit the snooze button, and get away from your phone or tablet an hour or more before bedtime.

5.  Texting And Driving

No LOL text or snapchat is worth your health or the health of someone else. Learn to view this like it is as important as fastening your seatbelt.

6.  Don’t Skip The Sunblock

Sunscreen is not just for that beach vacay. If you spend time putting on wrinkle cream and exfoliating with a mask, you can mask yourself from the sun too.  

7.  Leaving Your Hands Dirty

Getting your hands dirty might be a cool idea when it comes to work, but dirty hands spread germs and disease. Wash them regularly and do it right.

8. Continuing Something You Don’t Love

It isn’t noble to suffer through a job you hate simply because it covers the bills. If you’re overworked and stressed, recognize the signs and make a change.

9.  Maintaining Unhealthy Relationships  

If you know all the characters in a Netflix show, better than the characters in your life, it’s time to get back to the “real world”. Reconnect with your family and if you can cut things out of your diet, you can also cut unhealthy people from your life.

10.  Living Passion Free

Listen if you aren’t too busy to express yourself on Facebook, but you’re too busy to express yourself with a hobby or talent, then it’s time to spend time on yourself. Pick something that interests you and dive in.  

Wealth is often perceived as the things that you have. However, true wealth can often come not from having a new pair of shoes or a nice car, but more not being deficient in any of the areas below. The following list of ten things is full of the stuff you really must “own.”

Ten Things Treacherous To Your Wealth

1.  Not Keeping A Budget

Finish this sentence: “Failing to plan is…” you probably answered, “Planning to fail!” With a smile on your face. That smile will probably go away when I ask for your financial plan to get out of debt (and “save more” is not an acceptable answer here.)

2.  Not Having A Plan To Get Out Of Debt

You must want to be out of debt more than you want the new outfit. Debt can cost you thousands over your lifetime and/or the chance at a house or the life you desire. Remove it.

3.  Not Knowing A Difference Between “Wants” and “Needs”

A high car payment and getting more house than you need is not a status symbol. Neither is the extra coffee or takeout each day. Both can hurt your status in the long run if you can’t afford them.

4.  Not Having Investments Or Savings

Don’t have any money to do this? Simple formula. Spend less than you earn and get started. You have probably heard “save ten percent of what you make”. You’ve also probably heard eat less calories than you expend.  

5.  Not Having A Fear Of The Negative Side Of Compounding Interest 

If you don’t do number four today, you miss out on the power of time to compound your savings. In the reverse, if you don’t pay attention to number two, then you will learn that an interest rate can compound debt against you.

6.  Not Maintaining An Emergency Fund

Now, this doesn’t concern the spare change in your sofa for pizza. Things break. Injuries happen. Kids need cars and outfits. You need to be planning ahead.

7.  Not Having Or Updating A Will

You’re planning for the weekend, but not for the end of your life? Sound morbid? Not as morbid as losing everything you worked so hard for to the state because you were lazy.

8.  Not Keeping Insurance 

If you are insuring your phone and not your life, then it’s time to check your priorities. Here’s a quick list to see how you are doing: Health, Life, Disability, Home Owner’s, and Auto. Missing any? Then get nervous.

9.  Not Knowing/Monitoring Your Credit Score

If you’re more concerned with your score on a video game, app or social media and not your credit score, stop wondering why you aren’t financially secure.  

10.  Not Developing Yourself

Your career is how you earn money. Are you taking care of this asset and constantly making yourself more valuable? Think about that next time you brag about completing another season of a Netflix show.

Don’t puppy guard your social media more than your waistline and bank account.

Just like an alarm, this was meant to alert you to some risks of which you might not be aware. In fact, the last two lists were meant to scare you. After all, that is how warnings work right? Now that the alarm has sounded, it is up to you to heed the warning.

Can you do the twenty things on the two lists?  Absolutely. Will you do it? That depends whether you believe they are treacherous enough. As one final push to get you to address the lists, here is my last guarantee:

If you don’t heed the warning signs, lightning will eventually strike.

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