Freedomizing

 The concept is in training manuals all over the internet; I finally get it, it took coaching and playing myself to understand it, and I still only get the first two steps from a coaching standpoint. Therefore that's what I'm writing about today.  I coach and sub coach my daughter's soccer and basketball; I've played basketball my whole life, never competitively, but just rec. Soccer, I subbed for an intermural team in college, with two broken ankles in boots; as a goalie, that's my experience in soccer. There's my resume in a nutshell.  I went into coaching my daughter's soccer team with a vision of what I wanted to get accomplished. Teach these girls how to play the sport, improve their confidence and be a positive role model for them. My lack of ability and understanding of how to get it done began my coaching career in unconscious incompetence; it took me a season and a half to move into conscious incompetence.  In the unconscious incompetence, I thought...

Benefits used to be a way to attract fantastic talent and work ethic. Now so many are mandated/so highly regulated they bleed negativity from the "owners" level.  Therefore let's get to the bottom of the purpose of a retirement plan. First and foremost, to attract and retain good employees. Why is it that we've forgotten that? Pricing pressure has put these retirement plans in a near-free situation for the employee if the employer is willing to put in a few bucks on the front end. Yet, these plans are overlooked with a penny-wise, pound-foolish lens of a bean counter with zero understanding of an employee's mindset. Even with the employer paying zero into the plan, no match, no nothing, most of the time, we can get those plans to a sub 1% all-in pricing.  The problem is some business owners, too, do not understand the mindset or the behavior of their employees. If a business is successful enough to attract high-end employees, that business owner has shown some suc...