What’s Your Change Threshold?

If you pay attention, by about age 1 month you notice the world is not completely predictable. The question is how much change can you accept without too much turmoil.

In business

In Business the threshold seems to be less than 25%. 25% with great effort and difficulty, 10% without a lot of trouble. It doesn’t matter on which side of normal the change happens.

In personal lives, it seems narrower. Is that true?

Why is personal different?

In business most factors, like the price of inputs, the loss of a customer, or new competition, is not taken personally. It’s just business and it is often the enervating part. Like a game. A good opponent is more fun.

Not so much in our personal life. We value security and predictability in our life. We even take it for granted. Health, finance, relationship, and spirituality are supposed to be unchanging, or changing very little from expectations.

We are forced by circumstances to move away from what we expect and believe we should have.

Why does that matter?

Because we take to long to change and address different circumstances. We are not enthusiastic about the changes we must make. We emotionally oppose the changes we need.

We must learn to identify changed circumstances sooner and make the adjustment more enthusiastically.

Think how physiotherapy works. Your recover both quicker and better if you take it seriously.

Some guidance

If you fear change, and most of us do, even if we don’t call it that, notice that change is the only constant. Learn to expect it and adapt. If you can have only one strong life skill, adaptability is a good one to choose.

You can study for the test.

Get the book, “Who Moved My Cheese” by Dr. Spencer Johnson. It is a short and simple, yet profound, book. Every person old enough to read would learn something.

In case you want an overview before spending the money, you could read this summary of the book. Who Moved My Cheese – Summary.

Ask yourself a simple question. “If I don’t like change, how am I going to get outside my comfort zone and grow?”

The book, even the summary, will help you achieve more.

The bits to take away.

Life is not a constant. change happens and even the way it happens changes.

You can learn to adapt quicker and better, or shrivel.

Change and challenge are where the excitement lives.

Success is as hard to adapt to as is failure

Motivation needs excitement.


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I build strategic, fact-based estate and income plans. The plans identify alternate ways to achieve spending and estate distribution goals. In the past, I have been a planner with a large insurance, employee benefits, and investment agency, a partner in a large international public accounting firm, CEO of a software start-up, a partner in an energy management system importer, and briefly in the restaurant business. I have appeared on more than 100 television shows on financial planning have presented to organizations as varied as the Canadian Bar Association, The Ontario Institute of Chartered Accountants, The Ontario Ministry of Agriculture and Food, and Banks – from CIBC to the Business Development Bank.

Be in touch at 705-927-4770 or by email at don@moneyfyi.com

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