Industry is the Enemy of Melancholy

I was fortunate to retire from my traditional work career at the relatively young age of 56. Retiring early had become a goal of mine ever since I observed how much my father enjoyed his 30 year post-work life. My father was perfectly content to leave the working life behind and fill up his days with fishing, tending his vegetable garden, solving the daily crossword puzzle, taking naps and watching the home town Sports teams on his television.

When the time came for me to retire, I had an idyllic vision of spending my days in similar fashion. Finally, after 56 years, I was looking forward to being my own boss – thrilled to have the opportunity to wake up every day and do whatever it was that interested me. I believed that every day would feel like Christmas!

And those first few months of retirement really were magical. Gone was the stress of having to be available 24/7 to my company’s sales and management teams who were battling to close million dollar deals, gone was the daily 3 to 4 hour commute in bumper-to-bumper traffic, and gone was the chronic sleep deficit.

It was goodbye to all that. What replaced it was the pleasure of deciding which book to read from my list of “books I always wanted to read“, fly fishing in the beautiful rivers of New England, taking long rides on my electric bike, spending quality time with my grandkids, and attending stimulating concerts and plays with my wife.

Something begin to happen, however, that I was not expecting about six months into my retirement. As the novelty and thrill of being retired began to subside I began to notice that I was experiencing melancholy moods and moments of soul searching. I was spending time reflecting on topics like past loss, the certainty of my physical and mental decline, and the uncertainty of how future generations will deal with the big existential challenges the world is facing.

Without the rigors of work to occupy my attention, my mind was set free to wander where it wanted to go and to my surprise I discovered that it often wanted to contemplate dark and doleful topics. I was not that concerned about these sometime melancholy moods because I reasoned that it is one of life’s natural reactions to harbor feelings of both happiness and sadness; and I remembered the wise old grandmother who once said: “A good day is a laugh and a cry“. Still I wondered why my pensive thoughts were increasing in frequency at a time in my life when I expected to be most content.

Then I happened to read about a study conducted by Harvard psychologists Matthew A. Killingsworth and Daniel Gilbert which could help to explain the phenomenon I was experiencing. These researchers developed a smartphone app that allowed them to collect the thoughts, feelings, and actions of a broad range of people at random moments as they went about their daily activities.

Using the app, Killingsworth and Gilbert asked people what they were doing and how happy they were while doing it. They sifted through 25,000 responses from more than 5000 people and reported that 46% of the people were thinking about things other than what they were actually doing at the time (in other words, they were daydreaming about something other than what they were doing). They discovered that those people who were daydreaming typically were not happy; while those who were fully engaged in their activity were the happiest. 

The researchers wrote that unlike other animals, human beings spend a lot of time thinking about what is not going on around them, contemplating instead events that happened in the past, might happen in the future, or will never happen at all. This “stimulus-independent thought” or “mind wandering” appears to be the brain’s default mode of operation.

Although this ability is a remarkable evolutionary achievement that allows people to learn, reason, and plan, it apparently comes with an emotional cost. “We see evidence that a human mind is a wandering mind, and a wandering mind is an unhappy mind,” they said in their report. The bottom line is that we’re more likely to think negative thoughts when we let our minds wander.

Maybe that is why people who are waiting in line or stuck in traffic appear to be more irritable. And maybe my melancholy moods have increased in frequency since leaving work simply because my mind is no longer required to spend 10+ hours a day focused on the demands of my job.

This study confirms that many philosophical and religious traditions are on to something true when they teach that happiness is to be found by living in the moment, and by training their practitioners to resist mind wandering and concentrate on the here and now. Yoga teachers and those teaching meditation practices usually stress the importance of “mindfulness” or “being present” for a good reason — because when we do, it usually puts us in a better mood.

When I look back at my work career, I can see now that those moments when I felt most fulfilled was when I was in the middle of product development activities, being part of a team inventing electronic test solutions to solve complex manufacturing challenges. During those moments all the powers of my mind were fully engaged in solving the problem at hand and there was a sense that the results of the team’s collective work would have a positive impact on the company, our customers, and to a certain extent, society in general.

William F. Buckley put his finger on the unique ability that meaningful work has in preventing the onset of depressive feelings when he wrote “Industry is the enemy of Melancholy“. Simply put, if we are busy doing work that requires a focused mind it becomes difficult for the mind to wander and contemplate spirit dampening topics that are likely to cause the blues.

I happened to listen to an online homily about work that touched on a similar theme from a spiritual point of view that was given by Bishop Robert Barron. Bishop Barron made the point that our very being is deeply influenced by our actions and that the kind of work we do has a lot to do with the kind of people we become.

People who have no work usually struggle with depression because our sense of dignity often comes from work. Those who suffer from unemployment feel not just the financial burden of a lost paycheck, but also the loss of dignity brought about from the loss of their livelihood.

When you are feeling down one of the things psychologists recommend is to get to work on a project. It tends to make you feel better because work engages the powers of mind, will, creativity, and imagination and we become awakened when we give ourselves over to a project.

It doesn’t have to be a grand or complicated project. In fact, Bishop Barron mentioned that he found that one of the things that brings him the most satisfaction is doing the dishes. His day is usually filled with meetings and intellectual activities, so it is a relief for him to do some simple physical work at the end of the day. It brings him satisfaction to make order out of a dirty kitchen and to see everything clean and in its place when he is done.

The Bishop referenced this lyric from Bob Dylan’s song “Forever Young” to emphasize that work is a blessing and that souls can not fully prosper when their hands and feet are idle.

“May your hands always be busy, may your feet always be swift, may you have a strong foundation when the winds of changes shift”

Bob Dylan; Forever Young

Not all work is physical, though. Pope John Paul II categorized different kinds of work for the faithful. There is physical work (the work of the body), intellectual work (the work of the mind), spiritual work (the feeding of one’s soul), and moral work (charitable work on behalf of the poor and mistreated). When we are attentive to each of these categories of work in our daily life, it is then that we best fulfill our divine potential and become collaborators with the purpose of God.

I like that idea. May we all come to see our work, in all its different manifestations, as collaborating with the purpose of God and as bringing us into a more perfect union with a higher power.

Memorable and Admirable

In an attempt to make more meaningful the days I have left, I have started a practice that I call Memorable & Admirable. It is a pretty simple practice; when I turn in for the evening, I lie in bed and think back over my day and I ask myself two questions:

• Did I do anything today that was memorable?
• Did I do anything today that was admirable?

On a good day I can usually single out one or two events that happened during the course of my day that I considered to be memorable and/or admirable.

But on many nights I do struggle to identify even a single memorable or admirable event that occurred during the course of my day. On those nights, I regret the day’s lost opportunities and find myself making resolutions to do a better job tomorrow.

All of us live with unforgettable memories; our first kiss, our graduation from college, our first job, our wedding day, the birth of our first child and grandchild. Those once-in-a-lifetime events have a powerful emotional impact on us because they enrich our life, bond us to others and help to define who we are.

Those big moments occur so rarely that they become burned into our memories. Research shows that most older people, when they look back on their lives, recall most of their big memories happening between the ages of 15 and 30 – a very narrow window that comprises less than 20% of the average lifespan. 

Is it because our memory is sharper when we are younger? No. It’s because most of us settle into a routine by our 30’s and life begins to lose its zest. I am typical I suppose, being in my 60’s, and finding it difficult to recall many memorable life events that occurred in my late 30’s.

It is easy to get trapped into a routine where habit begins to take over our lives. One day follows another, one month rolls into the next, we get lazy following comfortable patterns – and then before you know it, the calendar rolls over to a new year and we find ourselves wondering where the time went. The months and years begin to blur together because nothing new and shiny happens in our life.

I have learned that if you want to slow down time, you have to work at creating memories – you cannot leave it to chance. Chip Heath, a professor at Stanford Graduate School of Business, and co-author of the book The Power of Moments: Why Certain Experiences Have Extraordinary Impact provides suggestions on how people can inject novelty into their life and create experiences that become both memorable and meaningful.

Stimulate the Senses

Engaging our senses can make moments stand out more intensely. This is why concerts, museums and great meals stick in our memories and why sitting on the couch is so forgettable.

I remember, as if it was yesterday, standing 5 feet from the stage watching Bob Dylan play the piano and sing his Gospel song “Pressing On” in a small Worcester Auditorium when I was just 21 years old; and 36 years later listening to the wall of inspired sound created by Neil Young & Crazy Horse as they rocked a packed Boston concert audience.

I also have lasting memories from my youth of tasting fresh rhubarb, carrots and tomatoes right out of the garden; and when I was much older, of eating scorpions, chicken feet, drunken prawns, pepper crab and Schweinsbraten during my frequent international business trips.

When our bodies are stimulated by our faculties of sight, smell, hearing, taste, or touch – our brains work overtime to record the experience.

Raise the Stakes

Memories are more readily made when we participate in activities where we have something to gain or lose. Competing in a sporting event is more exciting than watching one and betting on a sporting event makes watching it more entertaining.

I remember tension-filled Dart tournaments where my performance made the difference between my team winning or losing the league trophy; as well as pleasant days spent at the race track with my father, studying the racing program and being thrilled when the dog I picked won their race.

And of course, there are the trunk full of memories I have from the family’s annual pressure-packed Pitch tournaments – the winners of which are crowned the reigning Pitch King & Queen with their names enshrined on the tournament jersey entitling them to bragging rights throughout the year. Every year the family has fun reminiscing about the exploits of past card tournaments.

When the stakes are raised, people pay attention.

Break the Script

In order to get past the routine autopilot of our day to day lives, we have to do something that will break the script. When we do something different we defy expectations and surprise people.

Chip Heath, in his book, described how Southwest Airlines broke the script when they changed the wording of their flight safety announcement. One of the lines they added was:

If you should get to use the life vest in a real-life situation, the vest is yours to keep.

People loved it and it got the typically distracted passengers to break off whatever they were doing and listen more closely to the safety announcement. Southwest reported that those who heard the new messages actually flew more, resulting in an extra $140 million per year in revenue for the company.

Breaking the script can produce delightful moments.

One such delightful moment in my life occurred because I happened to invite my wife to go trout fishing with my Dad and I. We had been fishing buddies for more than 40 years and we had a well-worn routine consisting of which separate stretches of the river we would fish and what we would pack for lunch (usually peanut butter crackers and a beer).

We broke the script by adding my wife to the mix. Her addition encouraged us to all fish together and when it came time for lunch she surprised us with a gourmet picnic comprised of cheese and crackers, shrimp, lobster sandwiches and wine. I’ll never forget my Dad’s eyes twinkling with mirth and bemusement as we sat on the blanket sipping our wine next to the singing river.

Celebrate Milestones

The best way to commemorate achievements is to celebrate them – especially with the people you like most. Research shows that our accomplishments take on increased meaning when we take the time to appreciate what we’ve accomplished.

So do something to celebrate those birthdays, anniversaries, graduations, promotions, retirements, etc. Don’t save the celebration for big events only.

Celebrating a silly milestones can be an effective way to “break the script” so that an event becomes even more memorable. My friend, who is a New York Yankees fan, used to have a 1918 party every year celebrating the last time the Boston Red Sox had won the World Series (fortunately he had to stop hosting that party in 2004).

For good measure, we can also set goals for ourselves that will lead to milestones we can celebrate at some point in the future. Doing that motivates us to achieve our goals and it leads to moments of pride that we will be able to celebrate in the future.

Overcoming Adversity

Why do armies put their recruits through high ordeal boot camp training and why do fraternities subject their pledges to harsh hazing? It is because struggling strengthens the bonds between people and experiencing adversity forms strong memory attachments in the brain.

I have vivid memories of all the crazy and senseless things I was asked to do when I pledged my college fraternity more than 42 years ago, but I have kept in contact with my fraternity “brothers” throughout all those years and we have fun reminiscing fondly about those youthful days.

For many years I was a volunteer member of a prison ministry team. We would spend exhausting 3-Day weekends conducting spiritual retreats inside Massachusetts, New York and New Hampshire State Prison facilities.

It was hard work and the preparation was very time consuming, but some of the most spiritual moments of my life came while witnessing the prisoners and my ministry teammates share their faith stories over the course of the retreat.

So adversity can be a blessing if you want to create lasting memories – especially if you go through it with somebody else. You will be surprised how often you will look back fondly on times that you worked to help others fulfill their dreams – even though it seemed like a chore at the time.

Build Moments of Connection

For most people, it’s relationships with the people we love that brings us the most happiness. Vacations, reunions and holidays are ideal times to create moments of connection that will deepen our relationships with others.

To celebrate my parent’s 60th wedding anniversary in 2008 my siblings rented a beautiful Lake House and the whole family spent the week celebrating the love my parents had for each other and the loving sacrifices they made to raise 8 children.

Each of their children read a heartfelt letter honoring them and thanking them for all the happy memories and life lessons we learned from them while growing up.

The week spent together was magical; filled with fishing, peaceful boat rides, lobster and clam bakes, competitive kickball and card games, marriage renewal vows and joyous dancing. We formed a deep connection with one another during that week and it resulted in a lifetime of memories.

Moments of connection can be built on a large scale, like that Anniversary party or on a much smaller, but still meaningful scale. One such meaningful connection for me was when my teenage daughter was given a school assignment to bake a loaf of bread.

I was happy when she asked me to assist her with the project because it gave me an opportunity to spend meaningful time with her and to bond doing something together (plus I learned how to bake bread!).

Finally, you can build connections with others even if you don’t really know them. My wife, who works for a Hospice agency, told me about the time Bill Atkinson, a member of the NH Police Association Pipes and Drums and a Captain with Nashua Fire Rescue, came to the Community Hospice House and stood outside the facility playing a bagpipe concert for the patients and staff. The music could be heard from all four corners of the house – and you can bet that the staff and those residents facing life’s end were bonded in a holy moment of spiritual connection.

Admirable moments can also be memorable moments but not necessarily – and I think that is how it should be in most cases. We should do admirable things because it helps to make the world a better place – not because we are trying to create memories.

When I take inventory of my day, asking myself if I did anything that was admirable, my mind searches for moments when I went out of my way to do something that was unselfish, considered someone else’s needs rather than my own or made sacrifices to better myself or others.

Participating in these moments of introspection has led me to wonder about which character traits society as a whole should consider admirable. The ones that come most often to my mind are:

• Honesty & Integrity – Try my best to be honest with myself and others. Be true to my word. Take ownership of my faults and failings.
• Humility & Modesty –  Remember that life is fragile and my time on earth is brief. In the vast scheme of things I am just a simple, insignificant person. Don’t brag about my accomplishments – act more, talk less.
• Compassion – Imagine yourself in the other’s person’s shoes. Treat others the way you would like yourself to be treated.
• Discipline & Hard Work – Good things come to those who are disciplined and willing to work hard. Fight the urge for instant gratification by pursuing long term satisfaction.
• Courage – When we face trouble and problems in our life, it is natural to look for an easy way out. A person with courage tackles adversity head-on, not shrinking from the hard road, no matter where it leads.
• Leadership – It takes a special person to stand up and give direction to others. 
• Humor – Don’t take life too seriously – try to laugh at yourself and the things around you once in a while.

Each of us may have a different list of qualities that we consider admirable, that is OK and that is what contributes to making different people so interesting. The point is that it is important for all of us to subscribe to a set of admirable ethics and to look for opportunities to practice them every day.

So good luck creating memories and practicing admirable acts in your life. I hope you will find that you also benefit from the happy side-effect I started experiencing when I began concentrating on my days memorable and admirable events at bedtime: Peaceful Dreams!

“They are so happy, they don’t know how miserable they are”

On a snowy January day this past winter, while minding the fireplace in my living room, I found myself watching the movie/musical The Fiddler on the Roof.

1971 Movie Poster of Fiddler on the Roof

For those of you unfamiliar with the movie, it is set in 1905 Imperial Russia, during a time when the Jews were being persecuted and evicted from their homes and villages by pogroms enacted by the reigning Tsars.

In the story, Tevye, a poor milkman and patriarch of a family with five daughters struggles to maintain his Jewish religious traditions in the face of outside cultural influences that threaten to disrupt and break apart his family.

The first time I watched the movie I was in my 20’s, too young and inexperienced in the ways of life to appreciate the wisdom and insights that were subtly portrayed – especially by the character Tevye.

Tevye is poor and uneducated, but he dreams every day of becoming rich and respected. While doing chores in his barn, he breaks into a song fantasizing about how good his life would be if only he was a wealthy man.

He imagines he would have the best house in town, his wife and children would strut like peacocks around town in the finest of clothes and servants would prepare rich foods for them to feast on every night.

But what Tevye craves most is not money – it is knowledge, wisdom and the respect of his close knit Jewish faith community:

“The most important men in town will come to fawn on me. They will ask me to advise them like Solomon The Wise – posing problems that would cross a rabbi’s eyes. And it won’t make one bit of difference if I answer right or wrong – when you’re rich, they think you really know. If I were rich I’d have that time that I lack to sit in the synagogue and pray and maybe have a seat by the eastern wall, and I’d discuss the Holy Books with the learned men seven hours every day… and that would be the sweetest thing of all.”

Song lyrics from “If I were a Rich Man”

Tevye concludes the song with an appeal to God – one that is universally recognizable to many people who wonder about their lot in life: “Lord, who made the lion and the lamb. You decreed I should be what I am. Would it spoil some vast eternal plan if I were a wealthy man?”.

Despite Tevye’s frustration with his lowly station in life, the townspeople and movie viewers eventually come to respect him because of the authentic and intimate relationship he has with his God and because of the love, mercy and compassion he shows to his daughters.

Those qualities come into sharp focus as Tevye struggles with the fallout from a marriage agreement he has arranged for his oldest daughter Tzeitel. In Jewish tradition of the time it was customary for a father to choose a husband for their daughters. Tevye is pleased with himself because he has made a profitable agreement for his daughter to marry the rich, widowed village butcher.

When he goes to share this good news with his daughter, he is dismayed to learn that she is horrified at the thought of marrying the butcher and she begs her father not to force her into the marriage. He further discovers, that she has secretly pledged herself to marry Motel, the poor town tailor, who comes rushing in at the last moment to ask Tevye for his blessing to marry Tzeitel.

Tevye immediately refuses to give his permission. It is absurd for a couple to arrange a match for themselves. It goes against all tradition! Marriages must be arranged by the Papa! This should never be changed! Motel cannot support his daughter! He is only a poor tailor!

But Tevye begins to reconsider and soften after Motel shouts out “Even a poor Tailor is entitled to some happiness“. He stares into the eyes of his hopeful daughter and the poor tailor and sees the unmistakable love they have for each other, he tells himself that Adam and Eve had no matchmaker except God and he reasons that even though the tailor has absolutely nothing; things could never get worse for him, only better.

Tevye finally relents and gives the couple his blessing, accepting that his daughter is not ordained to have all the comforts in life. His willingness to forsake the rigid strictures of his community traditions and instead see the young couple through eyes of mercy and compassion becomes a grace-filled moment in the movie and a lesson for all of us that stubbornly cling to beliefs that are not based on love.

Two yeas later, we see Tevye delivering milk to his community while talking to God and updating him on the status of his daughter’s marriage.

“Motel and Tzeitel have been married for some time now. They work very hard and they’re as poor as squirrels in winter. But they’re so happy, they don’t know how miserable they are.”

This moment exposes the close personal relationship Tevye has with his God and the comfortable way in which they converse – as though God were just a friendly companion walking with him. Tevye never walks alone because God always walks beside him. It also reveals Tevye’s joy at the success of his daughter’s marriage and his belief that he made the right decision in giving them his blessing.

Tevye’s observation that the couple is so happy, they don’t know how miserable they are struck a chord of recognition with me. When I married my wife Elaine in the Summer of 1982, I was no more than a boy of 22 years old and still in College. We had no idea what was ahead of us. We had only part time jobs, a beat-up car, no savings and I had never been on a plane or traveled anywhere outside of New England.

We were poor as Church mice but we thought life was grand because we had each other and the bright prospect of our whole life in front of us. We saw everything in our life with new eyes and each milestone we shared was a thrill that made the bond between us stronger.

We started with nothing, but we didn’t mind because we loved each other and we had the support of our families who had shown us the blueprint for a successful life and given us the strong foundation we needed to succeed. The good things we had blinded us to the material deficiencies in our life.

Life changed fast for us – within a couple short years we had good jobs, a brand new home, a new car and a beautiful baby daughter. We gradually began to acquire all the trappings of material wealth that are associated with middle class families in America.

There is a challenge for couples as they grow older and more established to still remain grateful for the simple things. Once you begin to take for granted all the little things that first made you happy – and start thinking instead about all the things you don’t have – there exists a danger of developing a miserable attitude because you don’t recognize how good you have it.

The lessons I learned from watching the Fiddler on the Roof is to always look at each day with new eyes, to break away from past traditions that are preventing me from growing in grace and to seek out a more intimate relationship with my higher power – one that will support and comfort me as I navigate through the trials and tribulations of my life.

Whatever stage in life you find yourself in, may you too learn to find happiness in the simple things and always maintain that youthful wonder at the magic of being alive.

“Money doesn’t talk, it swears”

Dollar Sign by Andy Warhol

This lyric comes to mind whenever I hear stories about the growing inequalities between the rich and the poor; how money is corrupting the political process and financial industries; the violent gang warfare taking place to determine who will control the illegal market for drugs; the expensive battles being fought by couples going through bitter divorce proceeding; and the woes of families who fight to distribute the large sums of money they win in government sponsored lotteries. With the media reporting all these stories about the evils of money, it is easy to understand what led Bob Dylan to sing out that money doesn’t talk, it swears.

But in truth, money is not good or bad. It is the things we do in life to obtain money and how we use the money we obtain that matters. St Paul wrote in his letter to Timothy that it is not money itself that is an evil, but the lust for it that leads us to wander off the path:

“For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.”

People that let their lives become infected with the love of money are like the character in the John Steinbeck novel The Winter of Our Discontent who believe that “there is no such thing as just enough money. Only two measures: No Money and Not Enough Money“. Pursuing this philosophy can lead to grief when people become slaves to the acquisition and protection of their money at the expense of the more important things in their lives.

It can be easy to become deceived that money brings happiness, but we have countless examples in life that show riches and fame and power do not guarantee happiness. All you have to do is watch one of the many reality TV shows that document the drama and misery of most celebrity lives. After viewing a few of those shows, I’m thankful that I’m not rich, powerful, or famous. I think it would be difficult to live when people treat you like a god and you have to deal with the kinds of temptations that come from knowing you can have anything you want. And it must be an empty feeling to know that you have all these things yet none of them brings you happiness. I once listened to a nurse talk about a hospital in Miami that catered to very rich and famous people. She said that the number one reason why those people came to the hospital was because they were suffering from depression.

Theodore Parker acknowledged that having too much money or too little money can make life difficult when he wrote “Wealth and want equally harden the human heart“.  I’m convinced that money itself does not bring happiness, but I do realize that money does make life easier. People with means have more freedom to make choices in their life that are not available to those who are struggling to live from paycheck to paycheck. And statistics show that the well-off are better educated, have better access to health care, live in safer communities and have longer lifespans. Money, when used in the proper way, can be a good that gives people more freedom to make choices about how they will live their life and those who have it are better able to positively influence the lives of their families and promote the causes that are important to them .

In my life I have tried to live a life of integrity, living simply while using the money I have accumulated as a means to an end – not in the acquisition of things but in the accomplishments of my life’s objectives. I have been fortunate to live somewhere between wealth and want  – in that ideal middle ground that Pablo Picasso once described “…as a poor man, with lots of money“.

Here are some examples from my life that show how I attempted to avoid wandering off the path in my pursuit of money, while at the same time using the money I did make to help achieve my life goals:

• When my wife and I were newly married and just starting out, we made the collective decision that our living budget would be based on my salary alone so that she would not have to work and could stay home with our young children. That decision led us to buy a reasonably priced house with an unfinished upstairs that I could afford with my salary and finish in my spare time as the family grew and our financial condition improved.

• While the children were young, we spent money for my wife to take college classes at night so she could get a teaching degree in Early Childhood Education. As a result, when the children reached school age she was able to land a job teaching at the same private Catholic Elementary school that our children were attending. The time they shared together and the bonding that resulted during those formative growing years was priceless to us and worth all the financial sacrifices that we made.

• Throughout my career I have made it a point to avoid becoming coin-operated – chasing salary and job positions solely to earn a higher paycheck. Several times during my career I turned down promotions and other job offers that would have paid me more money, but would have resulted in more headaches, more time away from my family, and less job satisfaction.

• From my first job as a paperboy when I was 10 through all the various jobs I have had in my career, I made it a point to save a portion of my paycheck. This practice  allowed me to always have money on hand to pay for those inevitable emergencies that come up during life and to put money away to pay for my eventual retirement – so that I will not become a financial burden to my children in my old age and so that I can retire while I am still healthy and pursue other activities that interest me and will contribute to my growth.

• I allocate a percentage of my income to donate to the people, organizations, and causes that I feel are worthy or that have touched me along the way in  some way great or small. A Memorial Fund for my wife that benefits childhood education, Catholic Charities who provide services to help the poor and vulnerable, Hospice programs that comfort the dying and offer bereavement programs for their loved ones, a Conservation organization dedicated to preserving wilderness areas for the public and contributions to individual causes that come up in the course of daily life.

My objective in all the ways that I obtain and spend money is to turn Bob’s phrase around – rather than make my money swear, I try to make my money pray. A prayer to do useful and productive work in the world, a prayer to provide material comfort for my family, a prayer to help those who are in need, a prayer to assist my loved ones to reach their full potential, a prayer to preserve our world for future generations and a prayer to retire with dignity and leave a legacy for those that follow.

My prayer for you is that all the money that you receive and spend be for a blessing – and not a curse – all the days of your life.