I get asked fairly often how an individual can improve this skill. So today, I’m going to provide listeners with a tool to improve critical thinking. Before we get started, a word of caution—improvements in critical thinking seldom happen overnight. Critical thinking skills are developed over years and maintaining this skill takes real effort—critical thinking can atrophy quickly if we abandon or reduce our commitment to continuous improvement and lifelong learning. It is sooo easy to get lulled into the status quo and easy to adopt a fixed, unyielding mindset.

So what’s your plan for retirement? Yes, you may want to step off the treadmill of a fast-paced career path, but it’s essential that you not stand still. Standing still is the fast pass to a slow and oftentimes painful slide into oblivion. Instead, commit now to developing the habit of continuous improvement and lifelong learning. Keep moving in retirement. Give back. Mentor. Take a part-time job that fits your purpose. Living a full life means living a full life. Don’t give up on yourself.

Vote and keep in mind that it’s not cult of personality that you’re voting for. It’s not a political party you’re voting for. As a US Citizen, it’s your obligation to defend and support the United States Constitution. Fun fact, the framers of the Constitution were terribly afraid that political parties would fracture our nation and tear us apart. It should be Country over Party and not the other way around.

Increase financial literacy, get educated, adopt an agile, lifelong learning mindset, periodically unplug from social media, advocate for changes to our educational system to improve the skills of critical thinking, creativity, and decision-making, do what you can to reduce your impact on the planet, and understand when you’re being played by politicians and the media. We are all in this together. Support your neighbor, get to know individuals from other cultures and other parts of the world.

I can’t put enough focus on the value of education and good decision-making that’s accompanied by a lifelong learning mindset as ways to reduce stress and anxiety. Too many in our society are on auto-pilot, going through the motions of life. Life is happening to them. Self-reliance developed through learning and education coupled with better decision making skills is the path to making things happen in your life and taking control of your narratives and outcomes.

For many of the early twenty-somethings in my class, stress and anxiety were highlighted as blockers to their ability to achieve their desired future state. They frequently find themselves spinning and, as some characterized it, paralyzed, by their anxiety. My heart breaks when I hear their stories, but I also know that we can do something about the current state.

A key point here is that life and financial security is all about choices and decisions. Make better decisions and you will be better off.