Life is full of problems. We can moan about them, or we can solve them.
One of life’s greatest problem is ensuring we retire with enough, and in doing so, achieve financial independence.
Scott Peck argues in The Road Less Traveled: A New Psychology of Love, Traditional Values and Spiritual Growth that discipline is the toolbox for solving problems.
Peck’s argument is based on the notion that most of us want to avoid problems – they are painful and often lead us to confront our humanity. The mental pain and strain often rival physical pain. Yet Peck argues the following…
“It is in this whole process of meeting and solving problems that life has meaning.
Problems call forth our courage and our wisdom; indeed, they create our courage and our wisdom. It is only because of problems that we grow mentally and spiritually.
When we desire to encourage the growth of the human spirit, we challenge and encourage the human capacity to solve problems. It is through the pain of confronting and resolving problems that we learn.
Fearing the pain involved, almost all of us, to a greater or lesser degree, attempt to avoid problems.
We procrastinate, hoping that they will go away. We ignore them, forget them, pretend they do not exist. We attempt to skirt around problems rather than meet them head on. We attempt to get out of them rather than suffer through them.
This inclination to ignore problems is once again a simple manifestation of an unwillingness to delay gratification.
Confronting problems is, as I have said, painful. To willingly confront a problem early, before we are forced to confront it by circumstances, means to put aside something pleasant or less painful for something more painful.
It is choosing to suffer now in the hope of future gratification rather than choosing to continue present gratification in the hope that future suffering will not be necessary.”
Less than 6% of working South Africans have enough saved to someday retire without meaningfully downgrading their standard of living. This is a problem you must face head on. This is a life crisis and must be treated as such.