dont let them do it

DONT LET THEM DO IT
like reagan use to say
there you go again

those congress folks are after us again
cant they leave us along

i know i know he said i wouldnt be touched
but
weve been here before

why cant they just do tax change stuff that
mainly affects all those rich folks like
the president
and
most of congress

back in the 90s this word popped up
on my radar
401k
my rainwater brother who is a certified financial planner
explained it all to me
of course
as he talked my eyes got real blurry
my mind started to wander
what the heck he is talking about

but
over time i read more about it
he talked to me more
i gradually started to understand it better

basically
i knew we couldnt live off social security
we needed more money
pension for teachers wasnt an issue at that time
since my wife she hadnt made that
i wanna be a teacher movement yet

it really didnt matter as it turns out
the teachers pension
since she is getting from the pension
what she lost from the social security that she earned
in the preteaching era and from my paying in it over the years

bottom line
teachers pension minus her would be social security equals zero

so i knew we needed more

investopedia.com

my rainwater brother finally got me to understand
how to do this
maximum how much you can put in in your 401k
so i did
make sure you put enough in to meet the match from
your employer
so i did
then
on the teacher side you have this thing called a 403b
just think of it like its a 401k
put as much in there as you can

i must add that most teachers dont make enough to put in
a 403b
very few do

so
over 25 years thats what we did
so when i had to quit and she retired
we have enough in our 401k/403b to live comfortably
when you add in our
well my social security
and her teachers pension

if that 401k had been not there
i am not sure all that incentive to make you save
make me save
would have been there
we would be hurting in retirement without it

so it is with a lot of folks

now
again
like i said the other day
this affects all of us
whether we are democratic republican independent
no matter our race
no matter our politic
no matter our religion
whether we are rich
whether we are poor
well
maybe not if we are rich
as this probably dont affect them much

so no matter your politics
you should be ticked at these congress people
trying to take this away from us
the only vehicle that many folks have to provide for
their retirement
i you are promised a pension by a company or government agency
be aware that some have stopped paying the pension
or greatly reduced it

so eg the texas teacher retirement doesnt give any
cost of living adjustment so thats their way of
reducing the payout
even then it can be reduced easily by a vote from
the legislature

we shouldnt let these folks do this to us
there are probably very few if any congress folks or cabinet members
or presidents or vice presidents that will be affected if they do

i think
congress if they want to cut things to save money
they might look at their own pocketbooks and financial statements
to find areas that really need to be cut
just leave us regular folks along

maybe we just need a regular folks movement

the organicgreen doctor

quad dipper, footballlllllllll

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QUAD DIPPER
youve heard of a double dipper
thats someone who eg retires from the 
military then gets a civil service job and
retires from that job
a double dipper

this is a tshirt that was given to my historian
brother who just turned 65
he had a party not to celebrate his birthday but
to celebrate the fact that he now is a quad 
dipper ie 
he has qualified for his fourth retirement plan
military, teachers retirement, soon to be social 
security and his 403b plan
he is now almost a quad dipper

this didnt just happen
it took hard work as he went through his 20 
years of military service-9 years served overseas

after that retirement he got his 2nd bachelors degree
then his masters then his doctorate degree
he then began teaching in college
where he just qualified for their retirement plan

all that was from years of hard work and discipline

he also has paid along the way into the social security
system which he will qualify next year for full benefits

he also has had the discipline through the years to 
place money into his 403b plan (similar to a 401k for 
teachers or public employees) and also into a 
457b plan which is another tax exempt retirement plan
available to those same employees
and wait theres more
he also has placed money into a roth ira

so that makes him a 6 dipper or a seis dipper

it took a lot of financial discipline and foresight and 
hard work over the years to accomplish this 

remember some of these are available to all of us
401ks roth iras and some the 457bs

we will need to all be this disciplined in the future
we can all learn something from him as some of 
our pensions will disappear

we and the future generations cannnot have the 
attitude that social security wont be there for us 
we have to make sure that the system makes sure 
its there as we are the system
we just need to demand of our politicians that it happens
and it fiscally happens
if it fails its our fault for not getting involved and 
electing politicians that will do what needs to be done 
to protect those protective net programs 

those of you that are younger need to be thinking of
these things now and begin now 
and to live fiscally responsible lives

good job historian brother
we can all learn from you 
of course his cowgirl wife will be the one to benefit 

FOOTBALLLLLLLLLL
man i ve a bad hangover today
its a football hangover
i had way too much football yesterday
well thats not possible

rg3 he did good
not bad for a player out of high school that wasnt
highly recruited to be a quarterback but just an athlete
good choice baylor
and washington redskins
maybe he should have been the number one choice in the draft

and then peyton did his peyton thing and beat
the steelers
that was fun to watch

what a good season it will be for football

the organicgreen doctor