«las mejores oportunidades se presentan en tiempos de máximo pesimismo», o el mantra de Warren Buffett, - Tony Robbins

One belief that I’ve developed to carry me through extremely tough times is simply this: God’s delays are not God’s denials.

In reality, at the time I was being incredibly negative and seeing things worse than they were. I was using my pessimism as a shield. It was my feeble attempt at protecting myself from the pain of failed expectations: I’d do anything to keep from being disappointed once again. But in adopting this pattern, this same barrier that kept me out of pain also kept me out of pleasure. It barred me from solutions and sealed me in a tomb of emotional death where one never experiences too much pain or too much pleasure, and where one continuously justifies one’s limited actions by stating they’re “just being realistic.

A long, fruitful retirement is a concept that’s only a few generations old. If you recall from our discussion earlier, when President Franklin Roosevelt created Social Security in 1935, the average life expectancy was just 62. And the payments wouldn’t kick in until age 65, so only a small percentage would actually receive Social Security benefits to begin with. At the time, the Social Security system made financial sense because there were 40 workers (contributors) for every retiree collecting benefits. That means there were 40 people pulling the wagon, with only 1 sitting in the back. By 2010, the ratio had dropped to only 2.9 wagon pullers for every retiree. The math doesn’t pencil out, but since when has that stopped Washington?