This week, we’re looking at the big picture, and I’m sharing with you some non-retirement tips...my personal life hacks that have helped me navigate the challenging, unpredictable, and winding path of life.

Today, I’m sharing with you the lie we tell ourselves that prevents us from reaching our goals or even trying to reach our goals.

I started as a financial advisor straight out of school, when I was 22 years old. My first client was 75 years old. I cold called him and miraculously, he transferred his 2 million investment portfolio to my care after our first meeting. I wanted to ask him, like, “you sure about that? I don’t know if you noticed, but I don’t know what the hell I’m doing over here.” He was more than 50 years older than me, and I was giving him advice about his money and his retirement.

Over the years, I’ve spoken to thousands of people about money and their retirement and I’m only 34 years old. Sometimes I feel like I’m a fish out of water. I feel like I have to prove myself, because I still am young and I still look young too. I had someone ask me the other day what school I go to. He thought I was in college. No, I am an adult!

There’s a term for this - it’s called imposter syndrome. Imposter syndrome basically refers to a pattern of behavior where people doubt their accomplishments and have a persistent, often internalized fear of being exposed as a fraud. Even if you’re not actually a fraud, many of us often feel like imposters who will somehow soon be found out for the inexperienced idiots we are.

Here’s the lie: I’m too young or I’m too old.

We quickly move from feeling like inexperienced imposters to has beens. Many of us tell ourselves that we are too young or too old for something, and as a result, we don’t go after what we really want.

Here’s some food for thought…

• Mozart was 8 when he wrote his first symphony
• Paul McCartney was 15 when he and John Lennon formed a band
• Joan of Arc was 18 when she led the French army to victory
• Ray Kroc was 52 when he started McDonalds
• Dom Perignon was 60 when he first produced champagne
• Nelson Mandela was 71 when he was released from prison and 75 when he was elected president of South Africa
• Benjamin Franklin was 79 when he invented bifocals
• Frank Lloyd Wright was 91 when he completed his work on the Guggenheim museum

So whatever you’re telling yourself at the moment, whether you think your too young or too old, realize that you are blessed with incredible gifts and talents, if you can only get out of your own way.

That’s it for today. Thanks for listening.

My name is Ashley Micciche and this is the One Minute Retirement Tip.

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