Time is the Real Currency

Buckle up, I’m about to drop some truth bombs…

New members of NSYDRS often share a common frustration: they’ve realized that the path they’ve been sold isn’t leading them to their desired lifestyle. In fact, they’re drifting further from it, and with each passing day, catching up seems less and less likely.

Time is finite—you can’t make more of it. Data shows that wages aren’t keeping up with inflation—not even close. While governments boast about low unemployment numbers, the reality is different. More people are working second or third jobs just to make ends meet.

Retirees aren’t safe either. Their nest eggs, once thought to be “enough,” are losing purchasing power as the dollar continues to degrade. It’s no wonder retirees are anxious about their future.

The truth is simple: whether you’re an employee, a business owner, or a retiree, if your income or investments can’t outpace inflation, you’re not going to win. (Hint: You’ll need at least 15%, recurring annual growth in income/ investments.) Even the best companies struggle to achieve that. What about you?

Working harder for money that continually loses value is a losing game. And if you believe “prices will come back down,” it’s time to get your head out of the clouds—business doesn’t work that way.

Most of us want to enjoy our retirement, but we also want to enjoy the journey. Let’s face it—there’s no guarantee you’ll even live long enough to retire. If you’re not living life now, you’re missing the point. There’s no guarantee of tomorrow.

Today, most people have no choice but to work longer and harder than their parents did. And if they do manage to retire, they’re too old to enjoy it! (By the way, the image of me looking out is from the Amalfi Coast in Italy. If you dream of visiting, do it soon—you’ll be doing a lot of walking uphill on uneven terrain. It’s not for the physically challenged. I suggest you get there soon.)

I’m always baffled when I meet people who think they can work their way out of this mess. You can’t. Earning more alone won’t get you there. Sadly, most people won’t realize this until that glimmer of hope fades into a distant memory. Time is not on your side.

I’m not here to convince you. If you don’t see the problem now, or if you reject what I’m saying, you’ll come around eventually. I can’t save everyone. As a doctor, I learned a long time ago that I can’t carry the burden of my patient’s health—they’re the ones who must take responsibility. I can only guide them, not force them.

Some are fortunate enough to realize this early and take action to change it. If you don’t see it yet, keep this website bookmarked—you’ll be back (and my prices, along with everything else, will have gone up by then. #sorrynotsorry).

If you’re one of the lucky few who haven’t had a critical-thinking lobotomy and you’re ready to win your freedom back, without slogging away at a job that barely keeps you afloat—NSYDRS is for you. Let’s get to work!