ZachSchneider [dot] com

At age 25, Jim makes $100,000 a year. He’s constantly traveling for business. He has a large home in which he often doesn’t visit some rooms for months at a time. He eats out every single night. He drives a leased Lexus, which he updates every few years at the end of the lease. He buys a whole new wardrobe every six months, taking the leftovers to Goodwill. He spends everything he brings in.

At age 25, Bill makes $35,000 a year. He lives in a smaller home and doesn’t travel much. He makes most of his own meals at home. He drives a Toyota Corolla, which he owns free and clear. He wears clothes until they’re worn, then shops at Goodwill for replacements, often picking up Jim’s barely-worn clothes. At the end of the year, he usually has about $5,000 of his income left over, which he sticks into his stock investments which earn 8% a year.

In ten years, Jim’s net worth hasn’t grown a cent. In those same ten years, Bill has $72,000 in the bank.

At the twenty year mark, Jim’s net worth still hasn’t grown a cent. In those same twenty years, Bill has built up $228,098 in the bank.

At the thirty year mark, Jim’s still breaking even. Bill, on the other hand, has $566,416 in the bank.

At age sixty five, Jim hasn’t accumulated a cent and will be working for the man for the rest of his life. At the same age, Bill has $1.3 million in the bank and can do whatever he wants for the rest of his life – and probably already started doing that a few years earlier.

It doesn’t matter how much you earn. It matters how much you save.

When I was twenty five, my net worth was negative and heading south rapidly. I spent more than I earned and I didn’t really worry about the consequences of it. I figured if I had the money – or the credit – I certainly ought to spend it in whatever way made my life more enjoyable right now.

I’m now thirty one. My net worth is still negative (although it would be positive if I counted the value of my home towards it, which I do not), but it grows every month in a positive direction and will soon become positive even without the house value.

One might immediately think that I must have made my life less enjoyable to make that change. Actually, my life is more enjoyable now.

I have a better grasp on the things that actually make me happy and I don’t waste my money on things that don’t.

I’m not chained to a desk and a career, fearing the pink slip – I set my own career rules and goals.

I’m not afraid of getting the mail any more and I don’t wake up at night worried about how I’m possibly going to make ends meet or pay all of this off in the future.

Perhaps best of all, my financial position is improving every single month and I no longer see the long-term future as some kind of musty cloud that will “work itself out.” I know it’s getting better and I know that, if I continue on this path, I’ll be able to easily have some of the big things I actually want in life, like a beautiful house in the country with some wooded land in the back.

My life now is something I’ll happily trade having a shiny new Lexus and an iPhone and a set of high-end golf clubs and eating out every night for. In exchange, I’m not worried about the future and I have career and personal freedom I would never otherwise have.

Wealth has little to do with how much you earn. It’s how you spend – or save – it.

I came across this blog entry from a friend of mine, named Zach Schneider in Michigan.  When I read this entry I found it to be very true and I wanted to spread the word to all guys out there so that they can treat women the way women should be treated.

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1.) SINCERITY If you can’t act or speak with sincerity then just don’t. Nothing is more unattractive. If you don’t mean it, don’t say it. Don’t try and make yourself up to be something you are not. She will know, and she will laugh her ass off at you later.

2.) STFU Don’t talk about yourself too much, if you must expound upon your latest and greatest exploit don’t be a braggart. Make the story entertaining, short, and the ending should lead into a question you would like them to answer about themselves. You are trying to get to know them. Rattling your bonebox about yourself all night shows women one thing: your complete and utter lack of interest for anyone but yourself.

3.) BE A GENTLEMAN Your actions speak louder than your words. You are being examined most likely under a hell of a lot more scrutiny than your feeble mind could manage in her direction. She is paying attention to how you are moving, your facial expressions, and especially how you treat and speak of other people. You are a man act like one. Be respectful to those you come into contact with. Stand up when she approaches the table if you are sitting. Take her jacket. Open doors (car doors too lazy ass). Pay for her drinks. Should she decide to thank you, her company and continued tolerance of your dumb ass should be thanks enough. Nothing is more disgusting than expectation of compensation monetary or otherwise.

4.) OTHER WOMEN Don’t talk in any amount of detail about other women. Ever. The only exception: how much you love your mother (don’t take that too far either lest she confuse it for an Oedipus complex). Contrary to what you might think she doesn’t want to hear about how well you treated the last woman that dumped your dumb ass. She also doesn’t care how many other women think you are great. All that matters is her attention, and you won’t be getting it talking that way because again it only enhances the appearance of your own self interest. Seriously this is a great way to move a girl from love interest to permanent friend status real quick. You will know this has happened when they start telling you about their exes.

5.) MANNERISMS Show your interest by maintaining eye contact. Yes eye contact. You may let your eyes stray across her features on occasion, but nothing will class you as a pig faster than you staring at her body. Move with confidence and intent. If you are going to do something do it with aplomb. If you fear a fiery crash you will create one. Don’t. Women can read facial cues much better than you. Nothing is more disgusting or sad than a man who looks at a woman with needy desire written all over his face. I saw it sitting there, that means she saw it 10 fold. You can get away with a lot of facial expressions, but needy/unsure is not one of them.

6.) TOUCH Don’t grab women. Ever. If she wants you to touch her she will invite you to. When you decide to take this invitation touch should be light, fleeting, and it should be directed toward a respectful part of her person. Her arm, shoulder, hands, neck, and for the bold her face. Again if you can’t do this with confidence just don’t. Confident movement and sincere intent is the difference between desirable contact and disgusting groping. Gentleman don’t grope women.

Anyway if you are an ENORMOUS DOUCHE and have read this note, hopefully you can get over yourself and realize that sincere intent trumps posturing bravado and can lead to an actual relationship as opposed to… well whatever the hell else you might manage on your own. In so doing perhaps you can shed your previous title and become a real man. Good luck!

(1) Fine: This is the word women use to end an argument when they are right and you need to shut up.

(2) Five Minutes: If she is getting dressed, this means a half an hour. Five minutes is only five minutes if you have just been given five more minutes to watch the game before helping around the house.

(3) Nothing: This is the calm before the storm. This means something, and you should be on your toes. Arguments that begin with nothing usually end in fine.

(4) Go Ahead: This is a dare, not permission. Don’t Do It!

(5) Loud Sigh: This is actually a word, but is a non-verbal statement often misunderstood by men. A loud sigh means she thinks you are an idiot and wonders why she is wasting her time standing here and arguing with you about nothing. (Refer back to #3 for the meaning of nothing.)

(6) That’s Okay: This is one of the most dangerous statements a women can make to a man. That’s okay means she wants to think long and hard before deciding how and when you will pay for your mistake.

(7) Thanks: A woman is thanking you, do not question, or faint. Just say you’re welcome. (I want to add in a clause here – This is true, unless she says ‘Thanks a lot’ – that is PURE sarcasm and she is not thanking you at all. DO NOT say ‘you’re welcome’ . That will bring on a ‘whatever’).

(8) Whatever: Is a woman’s way of saying GO TO HELL

(9) Don’t worry about it, I got it: Another dangerous statement, meaning this is something that a woman has told a man to do several times, but is now doing it herself. This will later result in a man asking ‘What’s wrong?’ For the woman’s response refer to #3.

I received my phone call today that my taping of Judge Mathis will be airing on February 15th and you can check when it will be on at their website. It should interesting and if some could tape it let me know because I don’t own a DVR or VCR so just email me if you know where I could get a copy of the taping.