Last spring my girlfriend and I were over visiting my Grandma. While we were there a lady from her church popped in to say "Hi.". I used to go to the same church but I hadn't seen this lady in ten years or more. She took one look at me and said "Derek!! It's been years. You look good fat!!" Now the last time I'd seen her I probably weighed about 165 pounds but, as human nature goes, I wasn't happy because I couldn't see my abs. Fast forward to last spring, I'd lowered my expectations and was pretty OK with myself at 210 except for the first 30 minutes after my Men's Health magazine came in the mail.
A couple weeks later I went for my annual physical. My politically correct doctor informed me that "..my body mass index was a little high." So, for the next 2 or 3 months my girlfriend and I started walking at least 3 times a week and we even lifted weights like 6 times (total). We both lost 10 or 15 pounds but then the progress started to slow and we lost interest.
It's all too common to get discouraged or just plain lazy once the new wears off. You go back to relaxing and cussing those people who can eat anything they want, don't exercise, and still are the same size they were in high school...all because they have "good genes."
"Okay, Derek. That's great but what's it got to do with money or financial planning?"
I was getting to that. One thing that comes up often when I'm talking to people about the Home Ownership Accelerator is that they could just do it themselves without refinancing. The fact is it's true to a point. There are software programs that you can buy that range in price from $99 to $3500 or more. Some of them are sold directly and some through "network marketing." Don't you feel sorry for your relatives when they try to explain "But it's not MLM!!! It's network marketing." Anyway, I digress. There have been surveys done to follow up with people who have purchased these programs and the truth is that, within 6 months, close to 70% of them are not using it anymore because they still require extra effort and discipline. It's sort of like the 2 1/2 months worth of Nutri System food you've got left in you pantry right now.
The #1 reason people choose the Home Ownership Accelerator over other options is because this loan allows them to set it and forget it and get on with living their life. Sort of like being born with "good genes"
Oops! Gotta run. I just got an email about washboard abs.
