retrospective

Even Better Than Advice to My Younger Self

© Can Stock Photo / Bialasiewicz

There is a recurring thing in social media about what people wish they had known when they were younger. We’ve never been too interested in participating, since there is little to be gained by wishing for a different past. (I did once post on this subject, but it was an attempt at humor: “Advice to my younger self—don’t go for the chili dog pizza at the truck stop.”)

Our friend, the great thinker Burt White, got us thinking about this. We ended up with a hotter notion: advice from our future self. Imagine that the “you” from a year or a decade from now could come back and talk to you today—what would they wish you knew? “Advice from my future self” gives us the chance to make things better, beginning today!

At the risk of sounding as unstable as Vonnegut’s time-traveling character Billy Pilgrim, I imagined a conversation with my future self exactly to test this purpose. I already knew what my future self wanted to talk about—but I have been acting as if I didn’t know. The conversation may mark a turning point for me.

This is sort of personal, so I will not bore you with the details. But it isn’t difficult to sort out what kinds of advice our future selves might give:

  • Save something every payday
  • Acquire needed skills to change career trajectory
  • Gain closer connections with special people around us
  • Eat better
  • Do something active every day
  • … ???

We cannot know for sure what your future self would want you to know. It is almost too goofy to recommend to you. But if you ever get tempted to give advice to your younger self, we suggest that taking advice from your future self is likely to be far more useful.

Clients, if you would like to talk about this or anything else, please email us or call.


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Only Thirty Years Left

© Can Stock Photo / stokkete

In the merry month of May a long time ago, I graduated from college in a new cheap suit and embarked on my career in financial services. The first entry on the resume was life insurance agent, the Prudential Insurance Company of America.

The insurance companies managed their affairs with vast armies of file clerks and secretaries and bookkeepers, filling towers of offices in major cities. There were no computers on desktops, long distance telephone calls cost a lot of money, and typing a letter was surprisingly time consuming.

Just a few years before, the New York Stock Exchange got so far behind in its record-keeping that it was forced to stay closed on Wednesdays for months in order to catch up the paperwork. This was due to the record trading volume of…wait for it…TWELVE MILLION SHARES A DAY.

Needless to say, times have changed a lot since I got in business.

I don’t understand how it happened, but I am turning age 62 this month. My plan to work to age 92 may be keeping me young. Between our digital communications, expansion of the team, reworking our systems and processes, keeping up with economic and market developments, and talking to you, there isn’t really time to feel old.

Thinking about the arc of this career so far, I began in the 20th century with a company founded in the 19th century. And now we are at the vanguard of the 21st century.

It feels like this unfolding age was made for us. We understand how to communicate with you in the new media. Being straightforward is a big edge when everything you say and do is visible. Word of mouth is a speed-of-light phenomena nowadays.

At this milestone, with so much left to do, we are grateful to be alive and part of it. With the best clients in the world and support by LPL Financial, we are very fortunate.

Clients, thank you all, again, for everything. If we can do anything for you, email us or call. Here’s to a great thirty years ahead, for you and for us.


The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Leibman Financial Services and LPL Financial are not affiliated.