Boomer Courtney Cox Throws in the Towel on Youth

2B82A13E00000578-3206106-Something_has_changed_When_Courteney_Cox_stepped_out_to_the_Amaz-m-21_1440166392558

http://www.msn.com/en-us/tv/celebrity/courteney-cox-regrets-cosmetic-procedures-that-made-her-look-horrible/ar-BBvY4ev?li=BBnb7Kz

In my world, well maintained women of 50 look great.

50, still. But great.

And while, by comparison to average women, they look years younger, I can see them coming and going.

Problems arise when women lose touch with what people around them actually see when they look at them.

It’s kind of like older men in arrested adolescence who express shock when women half their age call them daddy.

Self-actualization is a hard pill to swallow, and it cuts both ways.

This is why therapy should be a part of maintenance. alongside dental visits and annual physicals.

Fame, Power, Money and SEX in Entertainment

make-competition-irrelevant

http://www.dailymail.co.uk/news/article-3754559/Fox-News-host-Andrea-Tantaros-files-suit-claiming-network-operates-like-sex-fueled-Playboy-Mansion-like-cult-Roger-Ailes-Bill-O-Reilly-unwanted-sexual-advances.html

Newsflash: It’s not just Fox, and it’s not just entertainment, but mostly entertainment because people who choose this route are most often dealing with some form of psychiatric disability.

This aside, when I was a budding young actor in NYC [and before i chose photography and writing], this kind of thing was commonplace.

If you wanted something, you have to surrender something – usually your dignity.

I mean, come on! You weren’t just asking for a job as a bagger at Whole Foods for god’s sake.

You wanted fame and fortune and everything that goes with it.

That was then.

The great thing about being older is that you can look back at all the shit you had to swallow to get ahead and know that no one will ever pull that shit on you again, not least of which because you’re no longer a hot 22-year-old model with your hands out.

Life in the In-Betweens

stock-photo-7650054-financial-stability

In spite of what you see and hear in the media, most people are not multimillionaire celebrities.

In terms of actual numbers, most people are either flat broke or living on governments subsidies, which makes them invisible by media standards.

But what about people who fall somewhere between flat broke and filthy rich?

They’re stuck on cruise control, particularly these days with little return on investments and turbulence in the air.

The dirty little secret about life is that the people who have been the most financially successful either had substantial wealth and connections to fall back on, or they had nothing to lose.

Two public examples of this are Donald Trump and Ellen Degeneres.

Trump had everything to start out with, Ellen nothing.

But for most people, life is not about risk-taking. It’s about establishing financial security.

Why?

Because most cannot afford risk.

They earn well and save reasonably for the entire length and breath of their career, and now have what’s referred to as an income-producing nest egg.

They’ve done everything they were supposed to do and ended up exactly as prophesied by every economist in the world.

Now what?

Though their nest eggs are substantial by relative standards, there isn’t enough to risk losing.

This is where many, many successful Baby-Boomers find themselves at early retirement, by which I mean retirement before they necessarily have to.

The necessity is to preserve wealth, but the desire is to continue growing.

This group is what is known as the “in-betweens” of high net worth individuals.

They sit at the bottom end of the top 1% or 2% of the population with enough to live well, but not flourish.

This also makes them the most vulnerable, because those who don’t have anything are provided for, and those who don’t feel tax increases are cavorting with Ukrainian hookers in Aspen.

The other truth about this in-between group is that they constitute approximately 3% of the working population, rather than < 1%.

Some refer to this group as the upper middle class, and since there are a lot more of them than there are billionaires, they are the target of every tax whore on the planet.

In America, we are no longer a nation of working people who seek the American dream of retiring comfortably at the end of a long, hard journey.

Now we’re a nation of either celebrity multimillionaires or recipients of government subsidies.

Everyone is being squeezed out of existence.

Now you understand why small business are becoming a thing of the past, and by the time most baby Boomers are dead, a handful of companies will own the entire planet.

I just bring this up because one of my neighbors wants to start a mobile restaurant, but his banker told him that if he failed, there would be nothing left to go home to but a bottle of Jack Daniels and a loaded 9mm pistol.

I assume the house painting he’s currently doing is a substitute for his new smoothie franchise.

MORAL OF THE STORY

Figure out how to become a multimillionaire celebrity.

Psychology and the Retirement Nest Egg

heart-moneyMost of us Baby Boomers have launched retirement calculators a thousand times. Almost every financial institution has one, and invariably, the ones we tend to go to offer the most optimistic outlooks on how much we can spend until the day we die.

The problem is that no one knows exactly when they’re going to die, or if they’re going to die for those of us who’ve opted for cryogenic sleep.

Nonetheless, there is still an annual charge for keeping a body on ice, perhaps for a thousand years or more, so there’s that.

So here’s the dirty rotten obnoxious and existential nightmare-provoking truth: You probably won’t outlive your money.

As I stated in my book, Urban Dystrophy, The Perverse Truths About Mid Life in the Big City, a starter portfolio is $5,000,000.

I know I know. How the hell are you supposed to save $5,000,000 on a $500,000 annual salary over the course of 25 or 30 years?

After taxes somewhere in the 39% range, you’re only taking home somewhere in the $300,000 range.

If you own a home that costs $1,000,000, you can expect to pay $25,000 in property taxes and after a 20% deposit, approximately $60,000/year on a mortgage.

Now add electricity and other related home expenses and you’re down to $200,000 — and you haven’t taken a vacation, bought a single meal or paid a single car note.

Back out those expenses and with luck you have approximately $150,000 left over.

If, however, you have 2 kids, you have basically nothing left over.

So, for the past 25 years you’ve made $12,500,000 and don’t have a dime left in the bank.

Even if you were frugal enough to contribute $75,000,000 a year to a retirement account [for 25 years], you would still only have $1,875,000 in contributions, plus investment interest at an average of around 5%, so $2,800,000 – $3,000,000.

Seriously?

If you retire at age 65, that’s not even close to enough for anyone I know.

The reason for this is because you want to live the same way you did before you retired, which means you’ll need a few million more to generate the income you need to avoid running out of money before your time is up.

For most men I know who give a crap about living well in retirement, the number is around $7,000,000.

At a 5% return, you’re still at 350k/year.

If, however, market crashes, feel free to put a bullet in your head because being broke isn’t worth the struggle for older people.

THE PSYCHOLOGY OF MONEY

Most men my age validate themselves based upon their relative financial security.

And while every psychiatrist on the planet will call bullshit on this because it’s about as unhealthy a perspective as one might have given the vagaries of money.

But nothing is going to change it unless you plan to join a monastic congregation in Burma.

Money is kind of like a living thing that follows you around wherever you go.

When it doesn’t, you have a big fat fucking problem.

Walk into a car dealership, new prospective home…or hell, the Apple store, and see what happens when the money monster isn’t with you and smiling.

Then you know true meaning of nausea.

The reason you feel the hubris of filthy rich older men with the tans, snow white veneers and $3000 suits is because they’ve beaten the system.

They’ve overcome whatever life can throw at them, shy of a brain aneurysm, stroke or stage 3 cancer.

In other words, they can ride out the highs and low of the stock market, or pay marginal tax increases and still live their lives without making any changes whatsoever.

This is where you want to be, but unfortunately, probably won’t be.

The media is always talking about wealth; who has this or that.

Magazines feature $5,000,000 homes like they’re normal abodes for anyone who’s led a reasonably successful life.

But this is a lie.

The only way to afford a home like that is to inherit it or sell something.

Salaries don’t pay for homes in that price rage.

Investment capital does.

Psychologically, this is a massive hurdle for otherwise success older men facing retirement.

You look down the road at the rest of your life and you don’t see the picture you’ve been sold…and there isn’t a damn thing you can do about it.

Many men lose their younger girlfriends and/or wives to cut backs in lifestyle.

The ones who don’t tend to be with women their own age who have little to no value on the dating market, who and just sty put.

On top of all this we have a government hell bent and determined to tax out of existence everyone in the middle to upper middle class – including the bottom end of the top 3%.

This is because there are more of them than there are people with $100,000,000 or more who don’t feel any tax increases whatsoever.

So now we have an oligarchy and you’re on the wrong side of it.

WHAT TO DO

1] Figure out how much you absolutely, positively need to live the way you want to live and carve your expectations accordingly.

2] Accept that fact that as you near the end of your life, your retirement savings will be nearing the ends of it’s life.

3] Add 5 years to your anticipated lifeline and then hope and pray you don’t outlive it.

4] Find someone in your personal life who can handle stock market turbulence.

5] Don’t marry a gold-digger unless you’re in the $100,000,000 demographic.

Surrealism Reins in the Gym

grid-cell-24048-1424205844-5I have to tell you people how ridiculous, not to mention surreal, this world of mine has become.

Most 60-year-old guys are not replicas of what they were at 25 no matter how in-shape they are … unless of course, they’re on pharmaceutical steroids.

The fact that an astonishing number of them are [on steroids] has changed the dynamic of gym life these days.

Now, working hard is no longer a necessity in order to bleed body-fat and gain lean muscle mass.

You’re a simple injection away from eating whatever you want and spending a fraction of the time in the gym.

Of course, getting most men to admit to taking steroids is another matter altogether because no one wants to feel dismissed for cheating.

Yes, it’s true, most older men can’t put on all that mass and drop precipitous amounts of body fat by the grace of God.

No, it’s actually the grace of Big Pharma.

It took a while for the gay community to come out of the closet, and this is no different.

Rock Stars [and their waistlines] of Yesterday and Today. Lord, Say It Ain’t So.

368D0CA300000578-0-image-a-14_1469488251428Johnny Rotten back in the day.

368C73B100000578-0-image-m-15_1469488256938Johnny Rotten, age 60.

http://www.dailymail.co.uk/tvshowbiz/article-3707850/Rock-n-roly-polys-big-pop-stars-past-er-bigger-now.html

None of this has to happen.

None of it.

Okay, some of it, but not all of it.

Youth is all piss and vinegar. Everything is exciting, hopeful. Possibilities, endless. The caloric burn from this alone is equivalent to 3 hours in the gym.

Then we get older, more successful, and less driven by the very forces that fueled the journey.

Eventually, many of us just don’t give a shit because whatever we’ve lost in youth and beauty we make up for in dollar bills … and whatever relevance still lingers from our “glory years.”

The fact is if you look at most older celebrities you see an existential nightmare.

So many are – for all intents and purposes – already dead or dying of indignity and depression, which becomes a sort of default state.

Aging is not easy, but fighting it’s effects can be a kind of beautiful thing in its own right.

Everyone respects older guys who who try, who get out of bed and hit the gym with a vengeance; particularly when they used to be fit and trim, and now resemble lawn ornaments. It’s an indignity to all of us.

Take Johnny Rotten [aka John Lyndon]; a man who once extolled the virtues of anarchy and threw birds at the royal family while fronting for the infamous Sex Pistols.

Now he’s dying of “I don’t give a shit” as the birds sit on power lines waiting for him to stroke out.

I bring this up because Johnny Rotten and many others like him make a conscious decision to give up before their time.

And I suppose if they were accountants or bus drivers no one would notice.

But when public figures, particularly those who led revolutions in the world of music, they’re fair game for criticism.

They’ve earned that right and now they must own it.

~~~

4 Top Reasons Older Men Give Up:

1] Low testosterone

2] Poor physical health

3] Depression

4] Financial problems

5] Divorce

~~~

As these relate to Johnny Rotten:

1] Low Testosterone

It’s just a shot away.

2] Poor Physical health

It’s just a gym away.

3] Depression

It’s just a pill away

4] Financial problems

With a net worth of 15 million and wife, Nora Forster, a publishing heiress from Germany, not a problem.

5] Divorce

I’m sure she has a pre-nup, but he doesn’t need it.

Bottom Line: NO EXCUSES, JOHNNY. 

My ‘Private Idaho’ of Gym Eccentrics

d0e7521b6293cd97edb5dbe1fb77c920

My health club is like an outpatient psychiatric facility where patients attend daily group therapy sessions between med checks.

It’s a free-floating phantasm we all play a role in creating.

The list of characters that make up this world are as colorful as the disorders that drive them.

Here are my top 10:

1] …

[up next]

 

 

 

The Urban Dystrophy Virus Spreading Among Millennials

dubois

Mason [on the right] wears the mark of truth [Urban Dystrophy t-shirt].

He is also 1/3rd my age and already gets it. 

Hopefully, the general narrative will serve he and others of his generation well.

proof1-1~~~

I’m the first to admit – brag, frankly – that I don’t cavort with a politically sensitive crowd no matter what their ages happen to be. 

Nobody places boundaries on free speech and/or expression.

If someone is offended by something someone says, they let them know it and just move on.

I find this refreshing.

Every human being, both old and young, knows what’s acceptable and what’s back from the time they were kids — not since the last political convention.

As a parent to animals, I don’t know much about raising human babies. But what I do know is that the way I was raised didn’t kill me, and, in fact, probably led to my avoidance of federal prison.

With this in mind, here are 10 lessons parents should hammer into their kids heads before it’s too late:

1] Corporal punishment is a good thing when kids act up. As long as you don’t put your kid in the hospital, beating them with belts, paddles and boxing gloves is the way to go.

2] Tell your kids the truth about everything. If he or she looks like a tramp  – or complete idiot – let them know in no uncertain terms before they learn about it on the playground where wolves will be wolves.

3] Hammer into their heads that the most important thing in life is financial security followed by health…and then love.

4] Life is a food chain. Everything you say and do can and will be used against you in the court of popular opinion, including job applications.

5] Take care of your health using exercise, particularly weight lifting, to help mitigate your psychiatric problems.

6] Sex is good. More of it is better.

7] If you have sex with someone, just know that they now have leverage over you, so always keep #4 in mind.

8] People are rarely altruistic unless it benefits them, which may also benefit you. So there’s that.

9] When guys get older, they don’t necessarily get weaker. So keep that in mind when you decide to fuck with a guy 3 times your age.

10] Holding onto money is always tougher than earning it, so earn a lot so you can play the odds without ending up under a bridge.

🙂

Mick Jagger, 72, Fathers 8th Child Melanie Hamrick, 29

243DF49600000578-2884903-image-m-48_1419344998898Melanie Hamrick, 29, is mother to Jagger’s 8th child.

http://www.dailymail.co.uk/tvshowbiz/article-3691150/Nothing-fazes-Sir-Mick-Jagger-72-set-father-ballerina-girlfriend-Melanie-Hamrick-29.html

BTW, who cares if it’s his 22nd child? He could father a nation and still support them so shut the hell up.

As for the rest of you, try having just one you can afford.

The rest of us are sick of paying your bills.

Aniston Goes Nuclear at Middle Age

Jennifer-Aniston-People-Most-Beautiful-Woman-2016Jennifer Aniston is tired of being judged on her appearance.

I don’t blame her.

At some point we all bend over whether we like it or not.

http://www.dailymail.co.uk/news/article-3688255/PIERS-MORGAN-dear-Jennifer-fed-having-body-judged-stop-trying-make-look-Photoshop-perfect-magazine-covers.html

Bottom line here is you can’t have everything, always.

We get youth and beauty, but no money or experience.

Or we get them all at the same time, and then land in jail or rehab or dead.

But the way it usually works is we acquire money and experience over time, but fall apart physically, even if it just looks that way.

For people [like Ms. Aniston] who leveraged their looks to sell a brand, it’s a battle she will lose no matter how much she bitches about being objectified.

Nobody cares what her reaction to aging happens to be.

They only care about what she looks like, as she knows, hence the attitude.