MasterPo says: This blog is about topics and issues that are of importance to me. I am not one of the countless blogging lemmings that are tripping over each other scurrying down the hill and off the cliff of blogging oblivion trying to write the greatest blog on the latest topic de'jour. Your comments are welcome.

August 2, 2009

Show Me The Responsibility!

Personal responsibility.

Taking charge of your own life's course.

Being accountable to yourself for what you have and don't have, achieve or not achieve.

This isn't just flowery commentary. This is life!

Yet it seems with each passing day fewer and fewer people are willing to do it for themselves and their families.

For example, it only takes a few minutes to fill out the form to enroll in your employer's 401k retirement savings program. Yet few people do it. So few that in 2008 a law took affect allow employers to automatically enroll employees in the 401k and the employee now has to specifically opt-out. How lazy is that?! In this day and age there is no excuse for not being aware of the need for retirement savings of some kind. If you don't know you need to put something away for eventual retirement that's your own damn fault!

The argument often used is they can't afford to put anything away.

Really? Not even a mere 1% of pay?

Yet I guarantee these people have the latest cell phones with the latest ring tones, internet and unlimited text messaging!

Healthcare. That's another one very hot now.

I'm not going to delve into the whole fiasco. Just going to say that a large number of people have no insurance by choice! They simply choose not to pay for it. If health insurance is sooooooo important to them then find a way! Give up the Xbox Live, the Starbucks Lattes, the beer and concerts etc. And don't put yourself into a position where you are more likely to need health insurance. Don't have babies, don't do extreme/risky sports, don't ride a motorcycle etc. until you have insurance.
One of the arguments there is they don't like the plan(s) their employer offers.


If you have no insurance whatever they offer must be better than nothing!

Another argument is why pay for a coverage like cancer or Alzheimer's when you're young and don't need that protection?

Again, Tough!

You may be able to pick and choose aspects of your car insurance but can you really guarantee you won't get cancer in your 20's? Or have a brain disorder? I don't think so.

You don't want to pay for insurance, fine with me. But don't come crying to me when you have a life issue and can't afford the bill!

That's not being cruel!

I and millions of Americans do pay for our health insurance, our retirement savings and many other things. It's called 'planning ahead'. You don't want to plan ahead? I won't force you but don't force me to pay for your lack of preparation!

You're supposed to be an adult – act like it!

You can't hide behind the shield of youth any more!

Part of being an adult means recognizing that often you can't get exactly what you want when you want it at the price you want. But you do need something so a little is better than none at all. Then, after you get your little, work harder and strive to someday be in a better position in life to be more likely to have what you want.

If that means going back to school or getting some technical/vocational training to get a better job then do it!
If that means switching jobs for one that has better bennies then do it!
If that means moving someplace with better jobs prospects (even in this economy) then do it!

Sitting around waiting for 'someone' to do 'something' for you will never work!

And expecting me and those like me to pay for your lack of effort is unethical at best, criminal at most!

Grow up!!!

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