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The Two Stages of Life and What Really Matters

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“What do you want for Christmas?” is probably the most asked question right before the holidays. You’ve probably been asked, and even asked it yourself, more times than you can count over the last couple weeks. Sure there was a time in my life that my list was a mile long, but things change. Now, my Christmas list is filled with hopes for others—especially the young people in our communities.

It’s said that the first half of one’s life is the “accumulation stage” and the second half is the “distribution stage.” During the accumulation stage, you’re in gathering mode, spending your efforts on life’s needs and wants.  You build a career, buy and furnish a house, start a family and buy the things necessary for your children, save for retirement, and buy lots of things along the way. Many of us could probably go in our closets or garages and pull out items we haven’t touched in years, or forgot we had! But is that all there is to life?

But then, one day, around the age of 50, it hits you. You have all the toys you need, your kids’ braces are paid for and they’re in college or beyond. You have a boat and a new deck and a comfortable car. You discover that the joy of giving is greater than the joy of receiving, and your perspective changes dramatically. I’m a typical case—it happened to me around 49! That’s when my life focus really shifted to helping children and young adults lay a solid leadership foundation for life. Pursuing my passion of equipping young people to succeed in the real world has been more fulfilling than anything I could have imagined.

Did you notice how the first half of life tends to be more skewed toward self and family, and the second half is more focused on others? Had I known this earlier, I would have sought more balance in my accumulation stage and started my distribution stage sooner. The joy and satisfaction that comes from giving our time, talent, and treasure so far outweighs the fun of accumulating that I regret not starting this process earlier.

With Christmas just a few days away, opportunities for giving and sharing abound. This is the easiest time of year to find ways to positively impact others and give of our excess. But hopefully, directing our lives toward others will not be a once-a-year event. By starting earlier and making it last the whole year long, we receive far more in return than we will give. So, where is your heart and passion leading you today?

Do you want your life to have more balance, your spirit to soar, your heart to be filled with joy, and your life impact to be maximized—all while making the world a better place? Embrace the gift of giving yourself this holiday season and see where it takes you. Then, make it the gift that keeps on giving, into January, the New Year, and beyond.  Next time you hear “what do you want for Christmas,” do a self-check. Let’s all make the resolution to begin our distribution stage earlier and put an end to accumulating stuff we’ll rarely use and may even forget about!

Take a few seconds to reflect: Where are you centering your life? How are you modeling this principle to the young people in your life? Have you begun the distribution stage? Share your insights and ideas with us; we’d love to hear from you!

Practical Ways Your Family Can Serve Others This Christmas

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“I will honor Christmas in my heart,
and try to keep it all the year.”
~Charles Dickens’ Ebenezer Scrooge in A Christmas Carol

One of my annual highlights is watching the film classic, A Christmas Carol. I love watching the transformation of Ebenezer Scrooge when the self-centered miser develops a servant’s heart. Granted, it takes a dramatic, catalytic experience late in life to get him there, but he becomes a changed man all the same. Every time I watch this film, I reflect on what more I could have done in the past year to help others. It’s a time of accountability, complete with a promise to do better in the year ahead.

I have special admiration for people who commit their lives to serving others.They’re not motivated by fame or fortune, but rather by joyful service.

I’m convinced our daughter Lauren was born with a servant’s heart. I first noticed this when she was four during a visit to a McDonald’s playground. She befriended a devastated little girl who had been deliberately abandoned by her big sister (Ronald would not have been happy!). The girl’s tears were soon replaced with joy for those ten brief minutes. While this example may seem ordinary, it is illustrative of the many times that Lauren has nurtured people who were socially excluded. Her empathetic heart has often been a blessing to others. Not surprisingly, she is considering a career in child psychology and counseling. I think she’ll be a natural.

The holiday season is a time when our thoughts often turn to practical ways we can serve those less fortunate. At a time when we are counting our own blessings, what are the ways we can include, encourage, or assist people in need?

This is not an exhaustive list, but here are some of our family’s ideas:
–       take a shift ringing a bell for the Salvation Army (we just did this last week; it’s a hoot, you meet great people, and it’s such a worthy cause)
–       volunteer at a local food bank
–       gather a group to sing carols at a retirement home
–       go out of your way to compliment those who are in service positions (including the Military)
–       send a note to a teacher expressing your gratitude
–       donate money to a local ministry that pays electric bills for the needy
–       adopt a family for gift giving
–       send a personal note to someone who lost a loved one in the past year

What do you and your family do to serve and bless others during the holiday season? Please share your ideas and stories with us; we’d love to hear your experiences!

Building a Rock-Solid Foundation for Our Teens: One Community’s Response

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How do we set our teens on a pathway to their destiny—to help them fulfill their dreams and purpose?

It’s a fundamental question for their future—and our future—and the answer is multi-faceted. But, for now, I’d like to focus on one of the most vitally important prerequisites—a healthy and solid support system.

Research experts such as Dr. Chap Clark conclude that every adolescent needs at least five loving, trusted adults in his/her life to develop the emotional health, stability, and self confidence to succeed in adulthood. While other factors such as education, skills, and opportunities also matter, relationships with adult role models are key.

The reasons are many. Adults who have strong relationships with teens can offer love, friendship, support, affirmation, life wisdom, advice, and essential network connections. They’re tremendous assets to our children and invaluable third party voices for parents. Speaking personally, it’s been a major parenting priority for us, and our children have benefitted immeasurably from their relationships with many adult friends.

It’s great to see that some visionaries and communities are taking a proactive stance to connect our youth to caring, adult mentors. One such community is nearby University Place, Washington where community leaders of Project 5:1 recently brought speakers and resources to area parents, educators, mentors, service organizations, and the faith community at a weekend conference. Illustrating the broad-based support for this initiative, the conference was sponsored by numerous businesses; service, parent, mentor, and school organizations; non-profits; and churches. Feedback was overwhelmingly positive.

Local media supported the event as well, an indication of the compelling need for supporting our youth. As shown in the following news segment at King 5 TV in Seattle, I was honored to serve as a workshop leader on my topic, “Relationship Building Strategies to Help Teens Soar.” http://www.king5.com/story/news/local/2014/11/15/project-51-event-helps-parents-connect-with-teens/19110123/

In my talk, I shared four relationship keys with teens: 1) valuing their uniqueness, 2) affirming their worth, value, and potential, 3) communicating to build relationship capital, and 4) recruiting positive third party voices (the 5:1 concept being a perfect example). It was encouraging to see how many people are committed to building strong relationships with teens!

If you would like more information about the event, the movement, or my talk, please contact me via www.dennistrittin.com or check out www.projectfiveone.com.

In this season of gift giving, it’s hard to think of a more meaningful gift than an investment in the lives our children.

The Greatest Gift We Can Give to a Teenager

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The teen years are among our greatest periods of change and self discovery. When you know who you are and why you’re here, you’re inspired to define and pursue your passions. Knowing “what makes you tick” and being able to carry that out, brings great joy and fulfillment. Unfortunately, for some, that’s easier said than done.

Take teenagers who receive few expressions of love or healthy modeling in the home. It doesn’t take long for that deficit to show up in their academics, motivation, relationships, and demeanor. In acts of sheer desperation, they search for love and false comforts in all the wrong places and check out of school. It’s a tragic cycle that has become all too common, with one unhappy ending after another.

During the past year, I’ve had many opportunities to speak with teens and young adults who are, in one form or another, facing a crisis of relevance. They see school as irrelevant, and worse yet, they see themselves as irrelevant. Some of their questions are:

  • “What am I worth when my parents never tell me they love me?”
  • “What’s the point of staying in school? I’ll never use this stuff anyway.”
  • “What can I do to convince my parents to let me live my dream?”
  • “I’m not that smart and my family has no money. Can I still become a leader?”
  • “All my parents care about is my performance…not me. How am I supposed to deal with that?

These conversations are heart wrenching. But, interestingly, it’s these kids who often most engaged in my talks on leadership! They ask the most questions and ask to share in private. They’re the ones asking questions and opening up after my speaking engagements. They’re desperately searching—for hope, relevance, and worth—even though it may not appear that way on the surface.

We’ve got to give it to them. All of them! Until young people see the relevance and value of their own lives, there’s simply no way they’ll reach their full potential.

Here are some ways adults can help:

  • Recognize that no one (especially a young person) has a complete and accurate perspective on all he or she has to offer—whether character qualities or skills. They need the perspectives of others who can offer additional insights about their value and opportunities.
  • Parents can ensure their children understand their uniqueness and value, and avoid showing favoritism through words or attention. They can value the person more than the performance.
  • Educators can offer opportunities for skills/aptitude assessments and programs where friends, relatives, and mentors honor each student with expressions of value. For example, some innovative schools hold special retreats where students receive letters collected from important people in their lives—life changing keepsake experiences.
  • Look for opportunities to “speak life” into young people and encourage them to do the same.

Remember, relevance breeds hope, and hope breeds motivation and direction. Motivation and direction help uncover passion and purpose. Passion and purpose help  fulfill potential.

These are vital gifts to give the young people in your life. Give generously.

10 Regrets to Avoid Like the Plague!

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Looking back on your life so far, do you have any regrets? Are there things you did and wish you hadn’t—or things you didn’t do and wish you had? Any relationships that are strained? Opportunities missed?  Bridges burned?

Although these are some of life’s most important questions, too many people wait until the end to ask them—and by then, it’s too late.  We’ll all have regrets from time to time. However, you can minimize big ones (or avoid them altogether) if you periodically ask yourself these questions (and then actually do something about it!).  Today is the best time to start!

When it comes to considering our regrets, there is wisdom to be gained from senior citizens who are in a naturally more reflective stage of life.  If you ask them about their life regrets, you’ll likely hear some—or maybe even all—of the following:

  1. I didn’t spend enough time with my loved ones
  2. I didn’t tell my family and friends that I loved them often enough
  3. I was too stubborn or proud to admit my mistakes and apologize
  4. I chose bitterness over reconciliation
  5. I allowed my life to be consumed by work
  6. I was too hesitant to take risks, try new things, and live my passion
  7. I wasted too much time
  8. I didn’t appreciate the little things in life
  9. I valued things over relationships
  10. I worried too much

Do any of these apply to you? Be honest! Although regrets run the gamut, did you notice that most involve relationships and priorities? This is why it’s so important that your life is balanced, you fully invest in relationships, and your priorities are right.

This discipline is a great one for all ages.  Consider sharing it with the young people in your life. It will help you—and them—make needed midcourse corrections and “relationship repairs” along the way.

Be forewarned, though: it’s not easy, and it takes a strong dose of courage, humility, and determination. Wouldn’t it be great, though, to get to the end of life and be able to say, “FEW REGRETS?!?”

Financial Literacy: Keep It Simple!

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As a nation, we have been witnessing a tragedy of epic proportions. Debt, deficit spending, and credit card use have taken control of the lives of millions. The result has been skyrocketing bankruptcies and enormous stress on individuals and their families. How can we avoid this situation? One way is to AVOID the credit card trap altogether!

           

I grew up in a family with a very modest income. However, we were never financially strapped. My parents’ method of managing their finances was a simple one, but it worked. They stuffed with cash for key expenses and lived on what was inside. No credit cards, no loans, no overspending. No more money in the envelopes meant no more spending. Simple. I have adapted my parents’ conservative, simple approach through budgeting and banking and we’ve always lived financially stress-free.

 

The same is not true for the majority of Americans. The credit crisis is enormous on both a national and an individual level. Bankruptcies are at a record high and most families would say that they are experiencing at least some level of financial stress. How did this happen? A couple of things have caused it:

 

·      The widespread availability of credit cards, coupled with a lack of discipline to use them responsibly (studies show spending via credit cards is substantially greater than cash only)

·      Financial literacy is not a priority in many education institutions, despite the importance of budgeting and investing in daily life

·      The rise in consumerism and the strong focus on buying “things” in our culture

 

The long and short of it is that easy access to credit cards and loans has given consumers a false sense of financial security. This lures them into spending more than their income can support. The debt builds and accrues interest, making the monthly payment grow every month. Today’s average family has several credit cards with monthly balances well into the thousands? Eventually, there has to be a day of reckoning and these large balances and interest charges MUST be tackled.

 

Fortunately, you don’t need to be a rocket scientist to live debt free. It’s easy—just be disciplined and abide by this basic principle: Use credit wisely and sparingly and resist making purchases if you can’t pay with cash. Keep it simple—avoid the credit trap and you’ll relieve your financial stress.

“Credit buying is much like being drunk.

The buzz happens immediately and gives you a lift. The hangover comes the day after.”

Joyce Brothers

 

Do you have some good strategies for (or questions about) avoiding or overcoming credit card spending and debt?  Do you keep it simple? What’s YOUR method? Jump into the conversation on my website and leave your comments. Then keep the conversation going: please forward this to friends and encourage them to sign up for our weekly email at www.dennistrittin.com/newsletter.aspx..

 

3 Ground Rules for Playing the Dating Game

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Why does “The Bachelor” have such a rabid following? It’s beyond me, but it sure appeals to lots of people! Maybe it’s because people know the drama of trying to find that “special someone,” and watching someone else go through it has a kind of vicarious romantic appeal (without the heartache, of course!). Whatever the reason, it’s a big hit.

 

           

Dating can be the best of worlds and the worst of worlds, particularly for young adults. There are so many new, fun, and interesting people to meet as one’s circles expand, but it’s also a mystery because you never know what will become of the people you meet. I recall feeling like I was on an emotional roller coaster at Six Flags at that stage of life wondering if she was Mrs. Right. Yes, I, Mr. Analytic, even lost his objectivity from time to time. It never worked.

 

           

Do you (or does the teen/young adult in your life) have a random or a strategic mindset when it comes to dating?

 

 

 

Although true love can happen opportunistically (e.g., when my college sweetheart and I were successfully matched at a computer dance!), it pays to lay down some personal ground rules in your dating life.  One way is to become a “3D dater!” Seriously! Here’s what I mean by “3D”:

 

 

Be Discriminating

 

Be highly selective with your choices of dates. Sadly, so many people define their self worth by whether they’re dating someone that they “date for dating sake” and often compromise their values along the way. It always pays to be choosy by focusing on people who share similar interests, values, and goals.

 

 

 

 Be Discerning

 

Be wise when you date. Many approach dating so impulsively and emotionally that they simply don’t think clearly. Understand what you want in a relationship, like your goals and expectations, and have the courage to move on if it’s not a great fit. Also, avoid placing yourself in “high risk” situations with people you don’t completely trust.

 

 

 

Be Deliberate

 

Be patient. This is often the hardest thing to do when the infatuation is intense (or when a computer matches you!). However, if the relationship is truly meant to be, it needn’t be rushed. If you’re feeling pressured, have the strength and self respect to put on the brakes. If they’re not willing to, they’re probably not the best choice for the long term and you’re only delaying the inevitable.

 

 

By being a 3D dater, you’ll set yourself up for long-term success rather than settling for short-term, superficial gratification that’s so common today. You’re much more likely to find Mr. or Mrs. Right with fewer peaks and valleys (and heartaches) along the way!

 

                                                                       

 

As you reflect on any dating you’ve done in the past, how would you rate yourself along the 3D dimensions? If you are a parent or youth mentor, how can you communicate what you’ve learned with the young people in your life?

 

8 Ways to Communicate You Care

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Valentine’s season reminds us of the value of relationships—and not just romantic ones.  Not only do sweethearts profess their admiration and affection for each other, but so do parents to their children, children to their teachers, friends to friends, and so on. In a rare creative moment, I once wrote a love letter using strategically placed candy hearts to share my thoughts. Bingo!

At the same time, Valentine’s Day can expose our vulnerability to these conflicting priorities: relationships versus things. While our society has progressed in many respects over the past 50 years, it’s clear that we’ve regressed in terms of relational health and depth. Sadly, with the distractions of technology and busyness, it seems to be getting worse.

Have you thought about what you really value in life? What are you communicating about your priorities to the ones you love—whether intentionally or unintentionally?

Relationships are enduring—things are not. The way we communicate this to our loved ones lies in how we prioritize our time, attention, and money. You can use the following list as either a self-check or a to-do list. Either way, we hope it gives you some inspiration and ideas for communicating your love to others:

1. Be fully in the moment. When you’re with someone, be completely engaged (not on your phone, your Facebook, your Instagram, your Candy Crush game, etc.)

2.  Keep family and close friends at the top of your priority list in terms of time, energy, etc. Don’t just give them leftovers.  They’ll notice, even if they don’t mention it.

3. Focus on the important, not the urgent.  Sometimes maturity and experience are the best teachers on this lesson, but the sooner it’s learned, the better! Our tasks may seem urgent, but our relationships should take priority. This is especially important when our children want or need to talk.

4. Tune in to their uniqueness. Gifts, experiences, and expressions engender different responses from each of us. What uniquely means the most to them? Customize your giving wherever possible and you’ll surely hit the mark.

5. Express appreciation regularly. Be grateful for the people in your life and tell them how much you appreciate them. You don’t always have to communicate with outward displays of affection. Sometimes simple actions, like saying, “I appreciate you,” packing a family member’s favorite lunch (with a note in it), or doing an unasked favor can be just as meaningful.

6. Praise them in front of other people.  Say something nice about them when they are in earshot. You will help build their self worth and indirectly communicate how much you value them. (Great parenting pointer!)

7. Set aside time and money for special occasions and gifts. This may be harder for those whose “love” languages are not gift giving or quality time.  But for those who really need these things in order to feel loved and appreciated, they mean the world.

8.  Forgive offenses quickly and let them go. After all, you’d want your loved ones to do the same for you, right? Related, pick your battles carefully and when arguments do arise, keep your cool.

It pays to examine how we prioritize our time, energy, and finances to build strong relationships with family and friends. Do you the people you love know you care? How so?

When Helping Is Hurting: What NOT to Do for Your Kids

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What parents don’t want their children to follow their dreams, land a solid job, have strong relationships and family, and enjoy a great life? We want them to be happy. We want them to be well-regarded by others. We want them to be successful.

But, here’s the rub. In a genuine effort to help our kids be happy and successful, there are some things we parents can do that are extremely counterproductive and actually work against our objectives.

Those who commonly work with young adults (e.g., teachers and administrators from high schools and universities, employers, etc.) report growing issues with this younger generation, four of which are particularly troubling: disrespect for authority, lack of social skills, apathy, and an entitlement mentality.  Guess where these particular issues generally originate–in the home! And, they are worsening, according to organizations receiving and trying to work with teens and young adults. The effects of media and culture aren’t helping either!

We can’t point the finger at anyone else on this one. It’s our job as parents to do our part and to help reverse this course, and the younger we can start with our kids, the better. From a parenting perspective, consider this scenario:

Say two-year old Joey is hungry.  Mom says, “Joey, do you want a banana or some grapes?” Joey doesn’t want a banana or grapes. Joey wants a mango. Mom tells Joey he needs to eat what is offered to him. He pitches a fit.  What does Mom do next?  She sends Dad out to the store to buy a mango.  Mom and Dad are happy because Joey’s happy.  Everybody’s happy, right? Wrong.

If this style of parenting continues throughout Joey’s life, as it does for many, what do you think Joey will grow up thinking?  How about:

–       he will always have choices

–       his happiness and satisfaction should be priorities to the people around him

–       he doesn’t have to comply with what he is told to do

–       Mom will always advocate for him to get his way and come out on top

–       other people are there to serve him, not the other way around

Granted, this scenario is overly simplistic, but here’s the point we want to make: Out of our desire to provide the best for our children (and keep them happy), some of our parenting methods may be contributing to their perception that the world revolves around them. If this is the case, they’re in for a rude awakening when they leave home and find that the world owes them nothing. And this is exactly what is happening—in astronomical proportions.

Do you see how this can translate to their life after they leave our home? To their experience in college or the workplace? To interpersonal skills with professors, coaches, and other superiors? To a marriage?  Not very well! Here’s what it can looks like, now and later:

  • Parents doing their children’s homework, chores, etc.
  • Parents defending unacceptable behavior of their children in meetings with school officials
  • Parents complaining to and threatening educators, coaches, and employers when their children aren’t receiving their desired rewards
  • Parents whose lives and schedules are dominated by their children’s activities and wants
  • Young adults who call in “sick” at the last minute because they’ve found something better to do
  • Young adults who don’t take responsibility for their mistakes and shortfalls or show respect to others
  • Young adults who expect teachers and employers to accommodate them instead of the other way around

Entitlement is what we call this attitude, this sense that other people owe us something—that we are deserving, regardless of whether we have done anything to earn it. It stems from the parenting style just described and some undesirable consequences of the “self esteem movement.” As a result, children feel entitled to get their way, viewing rules as arbitrary and voluntary, their needs as paramount, and other people as existing to serve them. And parents, unwittingly, are generally the ones who are cultivating this mindset.

In order for us to give our young adults wings on which they can really fly, we can’t coddle or cave in to them. If we’ve been doing it up to this point (as revealed in our children’s behavior), we need to turn it around fast, before they get out into the real world.

We can’t set our kids up as the center of our universe and let them think the planets revolve around them. It may seem a short-term solution when they’re pitching a fit as a two-year old, or even as an immature teenager. But in the long run, it will come back to bite us—and them.

Dennis_Arlyn_smallerAdapted from Parenting for the Launch: Raising Teens to Succeed in the Real World, by Dennis Trittin and Arlyn Lawrence, available through LifeSmart Publishing and Atlas Books.

 

Here Today, Gone Tomorrow? Learn to Analyze Your Spending

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When it comes to “budgeting,” many find it right up there with dieting and root canals in terms of the pleasure factor. However, tracking your spending and disciplining yourself to live within your means and save for the future is definitely worth the effort. If budgeting is not a natural bent for you, don’t give up on the idea altogether. You just need a willing attitude and some good resources to help you stay disciplined and on track with your finances.

How do you stay on top of your financial game?

The basic report you should complete (on at least a quarterly basis) is a cash flow statement. This report tallies your income and expenses in several key categories. It’s the surest way to see whether you’re living within your means and where your spending may be excessive. After subtracting all of your expenses from your income, you’ll see whether your net cash flow for that period is positive or negative. Remember, the goal is positive, positive, positive!

There are many online tools to help analyze your cash flow  (e.g., www.quicken.com and www.mint.com). In the past, analyzing cash flow was a lot more work—you had to save your receipts and organize them manually. But nowadays, if you use a debit card and checks for your purchases and bills, and you link your bank account to your online budgeting program, it will automatically categorize your spending and indicate where your money is going. It will even send you an email in the middle of a month to let you know if you’re over budget in a particular category (it knows if you’ve been bad or good)!

Even if it’s just a 75-cent daily newspaper or a $3 latte as you head to work each morning, make sure you account for every single dollar you spend. That’s how you can see exactly where your money is going. You may be surprised when you look at your spending after even just a couple of weeks. The nickels and dimes add up!

Analyzing spending and developing budgets are great skills to develop in the young people in your life. For young adults just starting out, tracking their spending will help determine how much they can afford for rent/housing and a car, significant expenses each month. How much should average living expenses cost? The following are typical expenditure categories and the rough percentages each should represent:

  • Housing/rent (includes utilities)    30-35%
  • Household/personal items                     20
  • Autos/transportation                              10
  • Charitable giving                                      10
  • Savings and investments                        10+ (not an expenditure per se)
  • Entertainment and leisure                       7
  • Debt/loans                                                  5
  • Insurance                                                    5
  • Miscellaneous                                             3

While the above percentages are ballpark figures (and they do change through life),  spending more than five percent above these levels is getting “up there,” with the exception of savings and investments and loans for new college grads. It’s also important to reflect periodic expenses like gifts and vacations in a budget. Holiday spending tends to spike in December, as does vacation spending in the summer. Therefore, it pays to update statements on a monthly or quarterly basis to avoid underestimating expenses. Compare actual spending to these ballpark figures, and you’ll have a good sense of whether you’re overspending in particular categories. And, take special precautions against buying too much house or car—these fixed expenses get many people in trouble.

Wise financial planning requires knowing where your money goes. You’ll make better financial choices, build a stronger credit rating, and develop good savings habits that help build wealth.

Do you track and analyze your spending?  How do you do it?  Have you trained and modeled this to the young adults in your life and, if so, how? We’d love to hear your insight and experiences!