Tag: Wisdom

What I’d Tell a 21-Year-Old Now

My niece is turning 21 in a couple of weeks. That milestone prompted me to go back and read a post I wrote in 2013 called Advice for a New 21-Year-Old.

Reading it now, I still stand behind it. But a lot has changed in the world and in me since then. A 21-year-old stepping into adulthood today faces a different landscape than the one I was writing about then. After more than a decade of watching young people navigate it, I think an update is in order.

Back in 2013, I intentionally opened with drinking and gambling. Those are two of the classic threshold items attached to turning 21. Things the world suddenly says you’re allowed to do.

Turning 21 feels significant in part because it comes with new freedoms. New access. New choices. New opportunities to say yes to things that used to be off limits.

But if I were to distill what I want to say today, it’s this:

The most important part of turning 21 isn’t what you’re allowed to do. It’s what you’re responsible for doing with your new freedom.

On Drinking

Back in 2013, I wrote specifically about types of alcohol, mixing drinks, drinking water between drinks, and a few other practical things. The tips were fun, and I meant them. But what I was really trying to say was simpler.

Don’t let alcohol become the thing that teaches you who you are.

A 21-year-old can easily mistake access for maturity. Being allowed to drink is one thing. Knowing how to carry yourself is another.

If you choose to drink, stay in charge of yourself. Stay aware. Stay responsible. Don’t confuse recklessness with fun, or excess with adulthood.

There’s nothing impressive about losing control, hurting people, damaging your future, or building habits that begin as entertainment and slowly become dependence.

Freedom says you can. Wisdom says you don’t always have to.

On Gambling

Gambling is worth talking about, less for the casino tips and more for what it teaches us about life.

A lot of life will tempt you into thinking you can outsmart systems that were built to profit from your confidence. Sometimes that system is a casino. Sometimes it’s consumer debt. Sometimes it’s a flashy investment story. Sometimes it’s just your own belief that you’re the exception to every warning sign.

Understand the odds. Understand the incentives. Understand that some games were built for you to lose slowly enough that you keep playing.

That lesson applies far beyond cards, dice, and slot machines.

On Money

At 21, your income may still be modest. Your savings may be thin. But your financial decisions aren’t any less meaningful.

This is the age when you should begin learning how money actually works.

Learn how to live below your means. Save at least 10% of your income, always. Learn how savings accumulate and compound over time. Einstein called compound interest the most powerful force in the universe, and he was right.

Learn how debt can easily grow if you allow it. Learn how investing works. Learn what markets do over time. Learn what risk is and what it isn’t. Learn how compounding works for you, or against you.

Don’t hand the whole subject over to experts and decide this isn’t for you.

It is for you.

Nobody can make this investment in your understanding except you. It’ll take effort, time, and discipline, but the payoff will be enormous. The earlier you begin, the more options you give yourself later.

On Taxes

This is one area I would add much more explicitly today.

Taxes shape your paycheck, your investments, your business decisions, your home decisions, and your retirement decisions. They are one of the most powerful forces shaping the economy around you. Most people your age treat taxes like background noise. They are anything but background noise.

Learn how federal income taxes work. Learn how your state handles taxes, including property taxes. Learn the basic tax forms. Learn what withholding is. Learn the difference between deductions and credits (it’s a big one). Learn how capital gains differ from ordinary income.

Most importantly, learn how and why governments shift tax policy. You’ll find that it’s often less about revenue generation and more about encouraging or discouraging certain behaviors. When you understand this, the debates about tax policy start making a lot more sense.

You don’t need to become a tax attorney. But you do need to stop treating taxes as some mysterious thing that happens in the background while adults in suits handle it for you.

The sooner you understand taxes, the less often you’ll be surprised by them.

On AI and Paying Attention to the Future

This didn’t belong in the 2013 version the way it does now.

If I were talking to a new 21-year-old today, I’d tell them to learn how to use AI well.

Not as a crutch. Not as a substitute for thinking. Not as some fantasy weapon that will let you dominate the world.

Use it as a tool.

Use it to expand your access to knowledge. Use it to test ideas. Use it to get a rough draft or minimum viable product moving. Learn what a minimum viable product is and why it matters so much to growth.

Use it to make an idea more tangible. Use it to model possibilities. Use it to iterate faster. Use it to tighten your thinking by forcing your vague idea into something clearer and more real.

An idea in your head can feel pretty smart. The moment you try to express it, structure it, test it, or build it into something visible, you’ll begin to see its strengths and weaknesses. AI can help accelerate your thinking process.

A lot of people are afraid that AI will eliminate jobs, upend industries, and leave ordinary people behind. That fear is understandable. But the larger pattern is nothing new.

History is full of major technological shifts that changed the economic framework people were living in. Industrialization changed everything. Then electricity. Then assembly lines, cars, computers, the internet, and smartphones. Each wave brought creative destruction. Old methods faded, old jobs shrank, new opportunities appeared, new leaders emerged.

AI is doing the same thing now. And the people who will thrive aren’t the ones who wish the old way would come back. They’re the ones paying attention to where the world is going, and responding.

Pay attention to what’s becoming easier, faster, cheaper, more valuable, or more scalable. Pay attention to which skills are fading and which ones are growing. Then adapt. Learn. Position yourself well.

That’s a far better response than fear.

On Health

At 21, most people feel almost invincible. That feeling can fool you into thinking poor habits are free. They aren’t. They just send their bills later.

Make physical activity a normal part of your life. Build it into your routine so deeply that you miss it when it’s absent. Walk. Run. Lift. Stretch. Work outside. Stay active in ways that make your mind and body stronger, more capable, and more durable.

Healthy habits pay real dividends over time. Energy, mobility, resilience, mental clarity, confidence, longevity, and quality of life. These aren’t accidents. They grow out of a disciplined and consistent approach to taking care of yourself.

If you build a strong base now, your future self will thank you.

On Faith

A 21-year-old may or may not have ever been meaningfully exposed to faith. Some were raised around it. Some were barely around it at all. Some were exposed to a shallow version of it and walked away before they were old enough to examine it for themselves.

But by 21, your openness to faith is your responsibility.

Faith should never be reduced to pretending. You don’t need to manufacture certainty where you still have questions. But you should stay open enough to seriously consider that life is more than work, pleasure, achievement, money, and survival.

Ask the bigger questions.

Why are you here? What is good? What is true? What does it mean to live well? What does it mean to love well?

These are foundational questions. If you ignore them, you’ll still build your life on some kind of answer. You just may not realize it.

Faith has a way of changing the scale of everything. It changes how you think about suffering, success, failure, purpose, love, forgiveness, responsibility, and hope. It gives context to things that otherwise feel random, hollow, or purely material.

Stay open. Read. Ask. Listen. Seek out serious people of faith, not just loud people with opinions.

You don’t have to have everything figured out at 21. But you’re old enough to begin seeking honestly.

On Learning from Good People

Find good people and pay attention to them.

Look for people whose lives make sense up close, not just people who look impressive from far away. Find people who have built something solid. Who work hard, keep their word, love their families well, handle money responsibly, and have endured difficulty without becoming cynical.

Ask questions. Watch what they do. Learn from their patterns.

At 21, you’re old enough to choose your influences more deliberately than ever before. Choose wisely.

On Freedom

Turning 21 brings new freedom. But freedom by itself is only raw material.

What matters is what you build with it. You can use it to drift, indulge, imitate, and react. Or you can use it to build capability, health, wisdom, faith, discipline, and a life that stands up under real weight.

That’s the better use of it.

The world tends to celebrate 21 by pointing to what you can now do.

I’d rather point to what you can begin becoming. That’s where the real opportunity is.

Happy Birthday, Isabella, from your favorite uncle.

Photo by Shai Pal on Unsplash

Fear Only Needs One Example

Some of the fears running things in our lives were never ours to begin with. We watched someone lose and decided losing was the lesson. We watched someone speak up and get burned, so we got quiet. We watched someone try and then called their failure a warning. We told ourselves we were being realistic when we were just hiding safely behind their wreckage.

We rarely see the whole picture of someone else’s failure. We don’t see the blind spots, the ignored warnings, the weak foundation, the compromises nobody talked about, or the timing that was just off. We only see the ending, and then we build ourselves a new law out of it.

Something inside us says, See? That’s what happens.

No. That’s what happened.

One word. One syllable. The difference between a lesson and a life sentence.

Fear is a fast learner. It sees one example and it moves. It doesn’t wait for data. It doesn’t wait for context. It doesn’t wait for us to think.

Sometimes that’s exactly right. Some roads do end in ruin. Some boundaries are wisdom. There are dangers in life that should be taken seriously the first time, not the fifth.

But fear can collapse categories too quickly. It can treat a predator and a conversation as though they deserve the same response.

One difficult conversation becomes I’ll never bring that up again. One rejection becomes I’m done. One betrayal becomes Trust no one.

Fear stops being a warning. It becomes a tyrant. And tyrants imprison more than they protect.

Sometimes it isn’t safety we’re protecting. It’s our pride. Our delicate image. The deep terror of being seen trying and coming up short. That type of fear can sound like logic. It can sound like experience. And it can rob us quietly for years.

I’ve seen people let one example define them. One disappointment. One humiliation. One loss. One story, often somebody else’s story, lodged deep in their imagination.

But one example is a terrible god. It asks for too much. It explains too little. And it leaves too many good things untried.

Fear only needs one example.

Our wisdom must decide how much authority we give it.

Photo by Silas Baisch on Unsplash

Living Inside History

Every generation believes it’s living through extraordinary change.

And in a way, every generation is right.

Economic strain, political division, conflict, and rapid technological change appear in different forms, but the underlying tension remains the same.

Ray Dalio describes what he calls the Big Cycle. The rise and decline of nations shaped by debt, money, internal division, and shifting global power. He would say we’re late in that cycle, marked by high debt, widening wealth gaps, and growing competition among world powers.

Harry Dent approaches history through demographics, studying population growth, and generational spending patterns. From his view, today’s economic strain reflects aging populations, slower growth, and the unwinding of decades of expansion.

Different perspectives. Similar conclusions.

Neither claim to predict the future with precision. Debt cycles, demographic waves, generational moods, technological revolutions, and geopolitical tensions move simultaneously. Understanding these forces and their patterns helps us recognize the currents. How we live within them is still our responsibility.

I remember the OPEC oil embargo of the 1970s and gas lines stretching for blocks. I was in elementary school as interest rates climbed above twenty percent. I watched the Reagan Revolution reshape economic thinking and bring supply-side theory into the mainstream.

I lived through the Iranian Revolution in 1979, the taking of US hostages, and the subsequent spread of militant extremism across parts of the Muslim world over the next four decades. I watched an airplane strike the World Trade Center in real time.

I grew up under the shadow of the Cold War, when nuclear conflict felt possible at any moment. I saw the optimism that followed the fall of the Soviet Union and then watched China open to the world after decades of isolation. I remember the theories about how expanding capitalism in China might soften their communist approach to governing.

I witnessed the savings and loan collapse, multiple stock market crashes, the Great Recession, and a global pandemic that disrupted economies, institutions, and families alike. I watched how strongly governments grasp control when certainty disappears.

I saw personal computers and then the internet transform daily life, followed by the digital economy, smartphones, social media, and now artificial intelligence reshaping work itself.

I can think of countless other historical events that have happened in the span of one life. Each moment felt unprecedented. Each reshaped the world, sometimes positively, sometimes negatively.

And yet, life continued.

When history is written, it focuses almost entirely on macro events. The narratives are dominated by wars, collapses, elections, revolutions, and markets. What rarely appears are the countless individual lives unfolding quietly alongside these events.

History does not record families eating dinner together during times of high inflation. Nor does it record weddings that took place during recessions or children born during wars. It overlooks the laughter that survived fear and the quiet courage required to just keep going.

But these individual experiences of life form the definition of humanity.

For every name preserved in textbooks, millions of people were doing what people have always done. They worked. They loved. They raised children. They cared for neighbors. They hoped tomorrow might be a little better than today.

Macro forces shape conditions. They influence opportunity and may narrow our options. They may, unfortunately, end our life or the lives of someone we love. But they don’t define a life.

Inside every macro upheaval exists our “micro” life. The life lived within the headlines rather than dictated by them.

The world may determine interest rates. It does not decide whether we act with kindness. It may influence careers, but it does not control our integrity. It may introduce hardship, but it does not determine how we respond.

Our response is where freedom still lives.

Viktor Frankl understood this more clearly than almost anyone. After enduring unimaginable suffering in Nazi concentration camps, he observed that nearly all external freedoms can be taken from a person. One freedom remains intact. The ability to choose one’s attitude and response to circumstances.

Events may constrain us. They may demand adaptation. They will never own our human spirit.

In my office, I have a wall filled with photographs. Family gatherings. Wedding days. Trips taken together. Beautiful places. Ordinary moments that became lasting memories.

When I step back and look at this wall, patterns appear.

We worked hard.

We made time for one another.

We traveled together.

We celebrated milestones.

We were living out our hopes and dreams, and we still are.

My wall has no charts or financial forecasts. No macro trend lines. But it tells the story of what matters most.

None of these moments waited for ideal conditions. They unfolded alongside inflation, recessions, political change, and uncertainty. The photographs capture lives shaped by ordinary but important choices made amid extraordinary times.

As we traveled, we met families across many countries. Different customs. Different faiths. Different governments. Yet everywhere we went, the hopes sounded familiar. Parents wanting the best for their children. Families striving for opportunity. Communities longing to contribute and belong.

The differences emphasized by the world shrink quickly when people speak about those they love.

Human aspirations remain remarkably consistent.

History changes its outward form. The heart changes very little.

You will live through upheavals of your own. Some will be frightening. Some will be unfair. Some will test your trust in institutions or leaders.

Remember this.

You are not responsible for controlling history. You are responsible for how you live inside it.

You will not choose the history that surrounds you. You will choose the values you carry through it.

You choose how you treat people.

You choose how to adapt.

You choose how you show up for your family.

You choose whether uncertainty hardens you or deepens your compassion.

You choose whether fear leads or faith steadies you.

These are your choices. Always.

Humanity endures because ordinary people continue to build their lives amid uncertainty. They love, they work, they fail, they adapt, and they hope, even while larger forces move around them.

While empires rise and fall, families persist.

That is the quiet march you belong to. Rarely captured by historians yet carried forward by generations.

History happens around you.

Life happens within you.

Live your life well. Love deeply. Work honestly. Stay flexible. Hold your faith. Care for one another.

If you do that, you will live a meaningful life regardless of when you were born.

As I was finishing this post, I found these quotes from George Bernard Shaw. The words come from two different writings of his from the early 1900’s. Together they express something important about what it means to live well within whatever history hands us.

“This is the true joy in life, the being used for a purpose recognized by yourself as a mighty one; the being a force of Nature instead of a feverish, selfish little clod of ailments and grievances complaining that the world will not devote itself to making you happy. “

“I am of the opinion that my life belongs to the whole community, and as long as I live it is my privilege to do for it whatsoever I can. I want to be thoroughly used up when I die, for the harder I work the more I live. I rejoice in life for its own sake. Life is no ‘brief candle’ for me. It is a sort of splendid torch, which I have got hold of for the moment; and I want to make it burn as brightly as possible before handing it on to future generations.”

h/t – Atkins Bookshelf

Photo by Federico Giampieri on Unsplash

If this post resonated with you, feel free to share it with someone who might appreciate it as well.

You can also listen to the Grandpa Bob Encouraging Leadership Podcast, where I share short reflections on leadership, life, and learning.

Thanks for reading!

A Parenting Prayer

Parenting is one of the clearest places where faith meets daily life. It calls us to humility, patience, courage, generosity, and the kind of love that stretches us far beyond what we believed we could give.

It invites us to trust God with the people most precious to us, even when the path ahead is uncertain and far beyond our view.

The prayer below is one I’ve been working on for a while. It’s a prayer for parents at every stage of life…those just beginning, and those watching their grown children take their first steps into adulthood. It’s also for those whose children are becoming parents and carrying this calling into a new generation.

It is a reminder that God accompanies us in the noise and the silence, the ordinary and the holy, the days that feel long and the years that pass so quickly.

May this prayer strengthen your heart and deepen your hope as you walk this sacred calling.

A Parenting Prayer

God, please grant me
The wisdom to guide my children with patience, clarity, and love
And the humility to grow alongside them as they grow.
Teach me to choose presence over hurry,
Trust over fear, and connection over control.

Give me the courage to admit when I am wrong
And the grace to show my children that learning never ends,
Not at 7, not at 17, not at 70.

Help me see the world through their eyes,
Eyes that understand wonder,
Eyes that welcome the new with unguarded joy.
Let their curiosity rekindle my own,
So our home becomes a place where questions are celebrated
And imagination roams freely.

Give me integrity in the quiet moments,
When my child is learning from what I do.
Give me a heart strong enough to support them
And gentle enough that they always feel safe coming to me.

Teach me to treasure the small things:
The bedtime stories,
The long drives,
The conversations over tacos,
The ordinary afternoons that turn into lifelong memories.
Remind me that these simple moments
Will matter far more than the schedules we keep
Or the outcomes we chase.

Loving God,
Free me from comparing my family to others.
You did not design my children to fit anyone’s timeline but Yours.
Help me trust the pace of their becoming
And see their strengths even when they are wrapped in struggle.

Guard me from chasing achievements that impress the world
But neglect the souls under my roof.
Let our home be defined by gratitude, peace, and laughter,
With the quiet confidence that love is our foundation.

Help me pass down what truly endures:
Character over perfection,
Kindness over victory,
Service over status,
Gratitude over entitlement.

May the stories I tell, the choices I make,
And the way I show up each day
Become part of the heritage my children carry forward.
Help me become an example worth following,
One who lives with faithfulness, honesty, and a willingness to learn.

Give me strength for the hard times
And calm for the anxious nights.
Give me a long view of parenting,
Seeing not just who my children are today
But who they are becoming by Your grace.

Teach me to listen more than I lecture,
To encourage more than I correct,
And to guide without stifling the person
You created them to be.

Grant me the courage to give responsibility as they mature
And the faith to let them walk their own path,
Even when that path stretches beyond my view.

Lord, may our home reflect Your kingdom,
A place of welcome, forgiveness, generosity, and joy.
Let my children feel seen, valued, and deeply loved,
Not for what they do, but for who they are.

I invite You into every step of this sacred calling.
Walk with me in the noise and the silence,
In the exhaustion and the celebration,
In the days that feel long
And the years that pass too quickly.

Grant me the peace that comes from Your eternal and infinite love,
Now and forever.

Amen.

Photo by Hu Chen on Unsplash

Teachers, Mentors, and the Grace That Carries Us

“There is no Frigate like a Book / To take us Lands away.”

Emily Dickinson wrote these words in her quiet room, understanding something I didn’t grasp for decades. The greatest journeys begin within.

I know her poem only because of my 11th grade AP English teacher, Mr. Cox. As a rambunctious and cocky 11th grader, would I have taken any of my “super valuable” time to read poems, sonnets, short stories, even books? No way.

But because of his work (and the work of countless other teachers along the way), I did read. A lot. I learned tons of material and information that didn’t matter to me at the time…but matter a lot today.

My focus back then was simple. Be the best student, get the highest test scores, pass as many AP tests as possible, and earn varsity letters in multiple sports. Mostly, I wanted to beat everyone else, pure and simple. It helped that I was blessed with an almost photographic memory and could recall facts and formulas with ease (sadly, not so much nowadays).

I carried that mindset into college. I loved being the student who defined the grading curve for the class. I was annoyed if I didn’t get every single point on an assignment, midterm, or final. I had an almost uncontrollable drive to outshine everyone…as if that was all that mattered.

I was completely wrong.

On the bright side, that drive and motivation made me a successful student and propelled me into my early career.

On the other hand, seeing everyone as my competition, and less as people, meant I probably missed out on a lot of fun. And lots of friendships that never happened. I was so focused on the destination that I forgot to notice who was traveling with me.

That realization connects me back to Dickinson’s frigate in ways I never expected. She saw the book as a vessel capable of carrying anyone, anywhere, without cost or permission. But what I’ve learned over nearly fifty years since high school is that I was asking the wrong question. It was never “How far can I go?” It was “Who am I becoming, and who’s helping me understand?”

My journey from that hyper-competitive teenager to what I hope is a much more caring, thoughtful, empathetic, nuanced, and life-giving person has been propelled by those same teachers I mentioned earlier, and a longer line of guides who keep showing up at the right time in my life.

I didn’t realize it then, but those books, poems, and teachers were all part of my fleet of frigates. Each one quietly helped me close the distance between knowledge and understanding, between my ambition and wisdom.

My mentors, family, and friends have all been vessels that carried me through changing seas. Some taught me to sail straight into the wind. Others reminded me that drifting for a while can be part of my journey as well. Each lesson mattered, even the ones that didn’t make sense at the time…especially those.

Over time, life has a way of sanding down our sharper edges, revealing something deeper underneath. My focus slowly shifted from being the best at something to becoming the best version of myself.

Now, when I think about Emily Dickinson’s frigate, I picture something far greater than a book. I picture a lifetime of learning, carried by the people who invested their time, wisdom, and patience in me. Mr. Cox, and others who gave freely of their time and wisdom, helped me see that the destination isn’t solely becoming the top of the class. It’s finding a profound depth of understanding, the expansion of empathy, and the ability to see beauty and meaning in small, unexpected places.

If I could go back and talk to that 16-year-old version of myself, I’d tell him the real tests aren’t scored on paper. They’re graded every day in how we treat people, how we listen, and how we show grace.

I’d tell him that the frigate he thinks he’s steering alone has always been guided by grace. The true measure of his voyage will be how much space he makes for others to come aboard.

We’re all learning to sail, carried by the steady hand of God.

We never really travel alone.

Photo by Rafael Garcin on Unsplash

Through His Eyes: A Lifetime of Wisdom Captured on Canvas

There are some paintings that do more than just depict a subject.  They capture an entire story, an entire lifetime, in a single moment. This piece is one of those rare works that demands to be seen. It grips its viewer, pulling them into a world of experience, emotion, and wisdom.

I see far more than just an old man with a pipe. I see the passage of time written across his face.  Lines carved by laughter, sorrow, resilience, and acceptance.

His piercing gaze holds stories of joy, regret, belief, triumph, failure, love, admiration, and appreciation. His expression speaks of a man who has not just existed but has truly lived, embracing all that life has offered, both the good and the bad.

Beyond his gaze, I see a hand that tells a story all its own.  His hands have endured hard work.  They’ve held the people he loves. These hands have fought, and they’ve also comforted. They are worn, yet steady.  A testament to a life of resilience, labor, and tenderness.

His grip on the pipe isn’t just a habit.  It’s a ritual.  A moment of reflection held between calloused fingers that have stood the test of time.

I didn’t know Richard Hatch personally before his recent passing.  But I can see through his painting that he had a remarkable ability to portray humanity on canvas. He wasn’t just painting a face.  He was capturing the soul of this man for each of us to see. 

Every brushstroke tells a story.  Every shade of color conveys emotion, and every detail reflects a life filled with lessons. His is the kind of art that doesn’t just sit on a wall.  It reaches out, starts a conversation, and lingers in your mind long after you’ve looked away.

Our days become years, our years become decades, and before we know it, our decades are a lifetime. This painting reminds me of that stark reality.  Not in a sad way, but in a way that urges me to embrace every moment while I can. To live fully, to love deeply, and to accept this journey for the adventure that it is.

Mr. Hatch’s painting reminds us of the beauty in aging, the dignity in experience, and the wisdom of acceptance.

p/c – Painting by Richard Hatch