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The Dumbest Thing Anyone has Ever Said


by Glenn Shepard
April 25, 2017
Category: Time Management




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Did You Know?

About half of working Baby Boomers have saved less than $100,000 for retirement.
Source: 2016 Price Waterhouse Coopers survey

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Most people are really, really horrible at managing two things:

1. Their Money

(i.e. A recent NY Federal Reserve study found that 1/3 of Americans couldn’t come up with $2,000 in the event of a financial emergency.)

2. Their Time

As bad as people are at managing money, they’re even worse at managing their time. To see how bad, say this to 10 people:

“Can you believe 2017 is already 1/3 gone?”

At least half will say something like “It went so fast. I don’t know where the time went”.

To understand how truly ridiculous this statement is, imagine that someone said “I don’t know where my last four months of paychecks went.”

Financial gurus like Dave Ramsey teach that the first step to winning with money is to start telling it where to go, instead of wondering where it went.

This is what a personal budget does.

Even if you never make any financial plans, you can tell where your money went by looking back at credit card and bank statements.

But time leaves no such trail.

If you can’t tell me exactly what you did with the last four months of your life, here’s a really easy way to change that without spending a dime.

Download an app named Evernote.

Then start keeping a simple journal of how you spend your days – both at work and in your personal life.

Every time I look back three things happen:

1. I’m amazed at how much was going on at any given time
2. I’m amazed at how much I forgot
3. I smile when I’m reminded of memories I don’t want to ever forget

Here are a few excerpts from my Evernote journal:

12/10/12 Amarillo: Had dinner with Gary and Paula Molberg at The Big Texan Steak Ranch. Watched 3 crazy people try to finish off a 72 pounce steak in 1 hour. None did.

10/20/13 Las Vegas: Turned 50 today. Sky Jumped off top of Stratosphere, rented yellow Lamborghini, rode Gondola at the Venetian, met Chum Lee of Pawn Stars, and saw Penn & Teller at Rio. Only one I need to do again is see Penn & Teller. They’re better than David Copperfield or Siegfried and Roy ever were.

8/4/14 Spent all day in studio editing chapters 1-14 of Assertiveness Skills for Managers DVD. Tedious and boring work. Wish I could delegate it, but this is stuff only the author can do.

5/31/15 Installed a video doorbell. Doesn’t work as well as they show on TV.

11/23/16 Took Cindy to brunch at Another Broken Egg Café. Met David Malloy there, who wrote Driving My Life Away for Eddie Rabbitt.

1/21/17 Cozumel: My worst nightmare. In Mexico and have food poisoning. Man what I’d give to be stateside with a Walgreen’s on every corner.

You can download the app at It’s available for iPhones, Droids, PS, and Macs. It won’t cost you a dime, but is priceless if you value your precious time.

To Your Success,


Glenn Shepard

P.S. To see how intertwined money and time management are, read "The Millionaire Next Door" by Tom Stanley. One of the most common habits of self-made millionaires is that they are obsessive about time management.

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