Published on February 19, 2015   Kevin J. Palmer  Economic Justice Activist

Recently “arriving” to affluence this year was about 72,000 new 401(k) millionaires. That’s nearly twice as many as in 2012 according to a recent study by a firm that tracks the company’s 13 million retirement plans.

The arrival of these new millionaires of course is greatly attributable to recent record gains in the stock market. But true credit must go to the discipline of those individual workers who, by making the sacrifice to change their present lifestyle and save, will now reap future gains in retirement.

And let’s not forget that kudos go to employers who matched those 401(k) contributions and were an essential factor in helping ramp up savings for those “disciplined workers” to 8 percent—almost twice the 4.10% national average savings rate.

However there are many Americans who struggle with no pension matching. Even worse, there are those with no work at all. New “potential employees” are entering the job market and by my cocktail napkin calculation, the economy would need to double its job creation to make a place for the new working-age population.

My niece will soon graduate with approximately 3.6 million other college students. My nephew and 3.5 million others will be graduating from high school. Plus an estimated 1.2 million legal immigrants and roughly 500,000 illegal immigrants could arrive in the United States. If we generate 2.6 million new jobs in this country more the half of the 5 million job seekers will be out of work—not withstanding todays reported reduction of 21,000 in jobless claims.

Climbing the ladder to financial success in America—and to be christened with the moniker of millionaire—has always been fraught with difficulties and complexities that sometimes seem downright unfair, even insurmountable. Yet many fellow Americans, living quietly among us, regularly set out on this journey and ultimately reach financial independence.

Numerous mistaken myths and misconceptions shroud the true character of the self-made American millionaire. But all of them demonstrated in varying degrees that good-actions supported their efforts and propelled them to goals. In all cases, wealth creation is about self-determination and setting free in the marketplace individual techniques to greatness that comes from deep within.

But for those who have not yet “arrived” to affluence, employment through job creation and entrepreneurship is the needed pathway. Creating opportunity for others so they can demonstrate their efforts is the responsibility of all of us who have an unselfish eye on the future of this great country and in keeping the American Dream alive.

Kevin J. Palmer

Economic Justice Activist Status is online

Leadership quote:

“Leadership comes from standards provide by those who have already led under the incidence of battle.” Kevin J Palmer

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Of course, there are a handful who already made so much money the only logic step to extreme power is as leader of the free world. There are many other research firms that have definitive work on such narcissistic and partocratic patterns. http://kevinpalmerscottsdale.com/2020/10/08/take-back-control-2/ .That only includes one. The rest of you fit into the former. Sorry Joe being a career politician does not count as making it to millionaire, because it was not done in the private sector.

If this offends egos, keep in mind the Constitution was created because ordinary people are your boss. It may not be interrupted that way now because it fell into the hands of people like you over the last 200 years. But keep in mind, the intent remains the same which is why there are militia groups, hate groups and extremes on both sides that are no less scary then the path of new politics.

So, going forward I demand discourse be civil and with the best interest of a majority in mind. Also, I expect you to model behaviors I would be proud to teach my children. Anything less, I’m a no show on election day.

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Author and Journalist Kevin Palmer

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The King and Queen Spain told Christopher Columbus they would meet his request of Knighthood and a 10% royalty of all he had found in the new world.

Ferdinand and Isabella were educated enough to know Columbus wouldn’t sail off the end of the earth.

However they truly expected he would run out of fresh water on the long trip and die before they needed to pay off what was promised.

In business, truth is a hard thing to find.

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However, the truth is; most achieve because they worked hard for all I have gained, well within the standards taught by parents and religions. Business is not easy and it takes special character to navigate all the obstacles and landmines.

Most people who don’t have the ability to make a lot of money or achieve higher levels of success, look for reason to slander those who have, because they have a hard time accepting their own choices.

If that’s what it takes to make you feel better, choose your target. I’m thankful for you helping me realize how blessed my life really has been.

JC

Author Kevin Palmer

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The scent of cigarettes. There’s danger in the air.

—Alejandro Escovedo

Chapter 6        Inner Compass

It makes no difference who came before whom. All Americans

are immigrants. Everyone can trace their starting roots in this

county—even the homo sapiens who crossed the Bering Strait

during an ice age 14,000 years ago. Because of this, we are all part

of an immigration story.

It was my love of wild horses, that brought me to know a

person who lived life like the conquistadors, whose adventures

he had read about during childhood. As an adult, his stamina

inspired him to overcome judgment and cultivate a reputation as

an astute learner with sheer determination. His reward was respect

from his new community, peace for his family, and wealth from

his own enterprise.

I met this extraordinary man through my friend Mark, an

immigration lawyer who lived in my neighborhood. Mark was

a founding member of an equestrian program for at-risk kids.

You too can use Secret Success Standards from Drew’s life

story like the ones below as stepping-stones to your own

accomplishments:

• Let family and education be your core drivers to

success. Make the most of family values, education, and

determination. Enjoy uncertainty. Regard problems as

changes that open doors.

• Follow your inner compass. See events, issues, and people

from a higher perspective, and train not for a specific event

but for a lifetime of winning. Don’t let negativity from

colleagues, friends, or family members plant self-doubt in

your mind.

• Create and rely on a long-range vision for your life. Know

that you can lose everything except what you’ve learned

Written by a wealth expert and Financial Freedom Activist Kevin Palmer

Financial Freedom Activist Kevin Palmer

Kevin Palmer was recently Scottsdale

Kevin Palmer

Kevin Palmer Author

Kevin J Palmer Author & Financial Reporter

Kevin Palmer Scottsdale

Over Discretionary Trades FINRA fraud Discharged from his

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Kevin J Palmer Author & Financial Reporter.

Kevin Palmer was recently

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Terminated From First Base on an Overthrow

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Jul 2, 2018.  Former Arizona– based First Allied Securities broker/advisor

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Kevin Palmer Terminated From First  base on over throw

Worked my way up in Wall Street biggest firm and after I learned everything I could from them, teamed up with other executives to advise smaller firms. Kept my license with one of our clients, to day trade…bad idea (story for another time or another book)…but that addiction inspired my Behavioral Finance firm, sMa Institute which did groundbreaking research still used today in investment policies of some of those firms

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