40th Birthday

My wife has been asking me for weeks, "What do you want to do for your birthday?" I would apathetically response with, "I don't know. I haven't really thought about it." She would then ask, "But it's your 40th birthday. Don't you want to do something?" I would again apathetically reply, "I don't know. I haven't really thought about it."

I understand that turning 40 years old is a big deal but I haven't really cerebrated my birthday for years and didn't feel the urgency to put any thought on this particular one. I was perfectly content to let it go by like the rest of my birthdays. Unbeknownst to me, my wife decided to plan a surprise birthday party for me. A good thing for her I'm an idiot and didn't catch any of the clues that were littered all over the place.

First, she said a couple friend of ours, who recently got engaged, were having an "engagement party" and invited us. I just methodically put the event in my phone and said, "Ok" without taking the minute to think, "Wait a minute. People don't have 'engagement parties!'" During the same week of this party one of my best friends (Bryan), who lives in Portland, had to fly in for some "training for work." Another childhood friend (Dom) said he wanted to drop by and see the both of us. As it turns out, they were both in on this surprise party.

So the three us, along with several friends from high school, had a mini reunion and had a great time catching up. As it turns out, they were all in on it as well. I even mentioned to my buddies, "Hey do you want to go to this engagement party? My wife is making go." They were nice enough to attend. As we were pulling up the house, I noticed a lot of cars parked up and down the street. I said to myself, "They're never going to surprise Eric and Crista (the couple that was engaged) with these many cars parked in front of the house." As I was walking towards the backyard I notice the number "40" on table covers everywhere and thought, "What does that 40 mean? Why would Eric and Crista care about the number 40?" As I turned the corner there were about 35-40 people, including Eric and Crista, who yelled, "Surprise!!!"

It took a second to register (still). I know, I know, I'm a total idiot. My wife planned and organized the whole thing. It was incredible. There were friends and family all over the place. I was met with warm embraces, greetings, and hugs. Some of my friends I have not seen in a while and were absolutely elated to have them there. My daughters came running out greeting with complete excited yelling "Daddy, daddy!" Spending the rest of the evening with the friends and family and watching everyone enjoy themselves was a complete delight. There were several things going through my mind (some of which I'm still processing).

Here are some quick thoughts:

- The Journey to get here
People were invited to pray for me. Some of my closest friends took the charge and prayed and gave thanks to the Lord for the work He has done in my life. Different friends shared the different things God has worked in my life. There were prayers that mentioned me being a young angry boy, even being angry at God, to now becoming a man who stewards his time and family well and impacting so many lives it beyond the people who were there was extremely touching. When you fight everyday to simply be faithful each day you some times miss the big picture. Some times you miss the culmination of things. It's good to stop and reflect at what got you here and grow in appreciation of the journey.

- God's Grace
When I say "culmination" I, by no means, mean I'm at the highest point in my life. No way. I have a long way to go. But the present is a culmination of God's grace. As we continue to live in His grace we will continue to experience God's grace exponentially and ultimately culminate when we are in His presence. I got a glimpse of heavily fellowship. It's a birthday I'll never forget.

- My wife did this
No one has ever done anything like that for me before. I'm truly amazed at the beauty of my wife. She constantly reminds me of God's grace because of how undeserving I am to receive such a blessing. She put in the work weeks ago. When we stopped for the moment for her to greet everyone she said, "Knowing Junior, instead of receiving any type of gift(s) he would much rather be around the people he truly cares about. Thank you all for coming." I didn't say anything. I couldn't say anything. It was so clear that my wife loved me. I never had doubts about that but for her to go above and beyond the way she did was truly amazing.

I want to give a special thanks to my wife.

Katie,
You've loved me well the moment you decided you wanted to be with me. I'm so deeply grateful at your daily work and sacrifice to serve our family. You are beautiful beyond measure. You are intelligent with precision. You are godly with a heart of worship. You could've been anything you wanted. And you wanted to be my wife and the mother of our children. You excel at it in ways I've lost count and even able to describe. Thank you again for this wonderful gift, the gift that will never be forgotten because it was from you. I love you (and I hope the party didn't cost too much).

It Was Another Day at the Gym. Until . . .

As I'm getting older I'm realizing more and more how sad the world truly is. You only have to follow the news or politics for about 20 minutes to realize that. As I'm finding the intrinsic value of being up on current events and political affairs I also find myself being weighed down with several hot topic issues. Sometimes I feel completely helpless with regards to truly impacting the world. I'm often left thinking, "Does my life really matter if I can't make an impact?" It's been depressing. I feel Christianity is losing and has lost cultural influence throughout the years and it only seems to be getting worse. I've even approached friends and mentors from church seeking how best to handling things.

Then yesterday happened. My normal routine is to go to the gym after work. Yesterday was no different. Once I arrived in the gym parking lot I realized I had absolutely no energy. I was down right exhausted and simply wanted to go home and take a nap. But I had this innate feeling I would regret it. So I dragged myself out of the car and begrudgingly grabbed my gym and started walking into the gym. It was "Leg Day" so it wasn't going to be an easy workout. My regular course of procedure commenced in the changing of my clothes, warming up, and wondering if I did the right thing by walking into the gym.

Afterwards, I began my workout and proceeded to greet several of the guys I bump into during that time at the gym. I greeted them by name and felt my acquaintances were usually high this day. I kept pushing through my workout and starting to gain more and more energy as I went. Finally, when I was done with my workout and started warming down I took a quick peek at the basketball courts to see who were playing. I ran into a couple of more acquaintances and we started chatting and talking about sports and different types of workouts.

Another individual approached us and joined the conservation. He and the person I was talking to started speaking about a mutual friend they had. This mutual friend just got out of jail and had some rough times. Both of them started saying how "thankful they were for God" then my ears perked up. I started listening more intently and they basically started sharing their testimony and how God saved them from a life of hardship by avoiding troubling situations and bad influences. They started preaching and I was the choir shouting "Amen!" All of us started nodding our heads like we were listening to Rap music. We were basking in the glory of God and what He saved us from. It was corporate worship at the basketball courts.

When I left the gym I couldn't help but kept thinking about that moment and the moments that led up to it. I walked into the gym discouraged about the state of the world and how I felt helpless to do anything about it. Then I greeted several people, people I have met over time by simply being at the gym consistently. I know their names and hear their stories and I realize there are "7,000 that have not bowed to Baal".

The fact that it was one of my better workouts was irrelevant. I was excited about meeting a couple of other brothers in Christ. And I look forward to hearing more about their story and hopefully get the opportunity to share that with others at the gym as well. No, I don't have to run for office or have a platform with thousands of people listening to make an impact. I've been able to build relationships naturally through being consistent over a long period of time. That's what being faithful is about; being consistent through long periods of time.

I was deeply encouraged by something so routine like going to the gym. It was an amazing reminder that it doesn't matter who we are or what kind of position we hold but who we have in Christ because He's the treasure we share and in the course of sharing that treasure we make an impact.

What College Kids Can do Now to help Prepare for a Successful Financial Future

I recently had the opportunity to do a quick write and offer some tips for colleges students regarding preparing them for a successful financial future. So I'll go ahead and post it here. I hope you find this helpful.

Hello,

My name is Junior Jamreonvit. I've been a financial rep for 5 years now. I'm currently an independent broker/dealer at Capital Choice Financial Solutions. I've taken my Personal Finance classes at UCLA and currently hold my securities and insurance licenses. Finally, I am a Dave Ramsey Endorsed Local Provider for investing.


Addressing your topic, "What College Kids Can do Now to help Prepare for a Successful Financial Future":

- Have a Written Budget

You need to track your spending. You can either "tell your money where to go or wonder where it went." If you don't even know if you have a positive cash flow or not how are you ever going to get ahead with money? You need a budget. There are several apps you could download on your phone that could help you with this (e.g., YNAB - You Need A Budget). Be proactive at the beginning of each month have your categories down (e.g., expenses, food, etc) and know exactly where your money is going.

- Emergency Fund

This will be difficult for college students because you probably don't have a lot of money to spare to begin with but you need an emergency fund. Try and save anywhere between $300-$500 and put it in a savings account or money market. It's an account that is liquid so you can access it quickly. This money is for "emergencies" (e.g., car repair) because life happens. If you had a sudden car repair that required $250 but didn't have the money you would probably charge it on your credit card, which is probably charging you anywhere between 15-18%. If you had the cash you could save on the interest.

- Get Out of Debt Plan

If you're a college student you will probably have some form of debt (e.g., student loans, car payment, credit card, etc). Try and avoid debt when possible (look at the above example). Put all your debt on paper (this should be a part of your written budget) and line them up from smallest balance to the largest. If you could get extra work and make some extra or save some extra money somehow throw the extra into the smallest debt amount you have until it's gone then rollover that payment into the next debt. For example, if you had a $50 monthly payment on a credit card with a balance of $300 but you decided to pay $100 per month to pay it off quicker, once you pay off that credit card you rollover that $100 you just freed up into the next debt (e.g., car payment) in order to pay that off quicker. Dave Ramsey calls this the "Debt Snowball."

If you stick to these basic principles they don't change once you leave college. The numbers will change because you'll get a better paying job (hopefully) but if you stick to this plan you will have built into your habits financial success.

Baby Update May 2, 2016

Hello everyone. Instead of me answering the questions, "How's your wife?" and "How's the baby?" fifty different times a day I'm going to give you guys a quick update here.

Our son's due date was scheduled April 29. It's May 2 and he decided he rather stay instead of getting up and start working.

Typical.

We do have an induction schedule for May 6 (this Friday) in the late evening. So if our little guy doesn't come before then the doctors are smoking him out this weekend. My wife is doing fine but she's extremely uncomfortable. I imagine being 40 weeks pregnant would be somewhat confining. It's not a total surprise that our third child is late. Our first child, Joelle, was 6 days late. Our second child, Alaina, was 8 days late. So our boy being late just confirms he's a part of the family.

Waiting around for a baby to come isn't new to us. But I do feel badly for my wife who has to basically sleep with a basketball in her belly. Honestly though, there's a little part of me that wants the little guy to come during his scheduled induction so we could see Civil War. "Hey honey, how about a movie and a baby tonight?" How often do you get to ask that question?

The things remaining on my "to-do" list is . . . well . . . nothing really. I only need my phone. It has everything. My bible, books, twitter, music, etc. The only thing I really need is to pack junk food. But I'm sure there's an app for that.

We'll keep you posted right here! Thanks for your support and prayers.

Minimum Wage drove me to Maximum Performance

I’ve often dreamed about “Things I rather be doing” throughout the day. I think most people do. To some extent, I don’t think there’s anything wrong with that. It’s good to have plans and dreams. When it gets problematic is when you are not fully attending to your present responsibilities. Discontentment could be good in the sense that if you are a lousy state of affairs and want to get out. For example, if you’re working at a minimum wage job and you realize you don’t want to make peanuts for the rest of your life and start making plans to better yourself like going to college or trade school in order to acquire marketable skills to improve your life.

That’s what happened to me. I was working at my mom’s 7-Eleven store for two years after high school for $10 an hour. A friend playfully joked that I was “going to be behind the register for the rest of my life.” He didn’t intend to be mean-spirited about it but it did hit a nerve in that I really thought about that possibility of working in this same job for the rest of my life and immediately wanted to put a gun to my head and pull the trigger.

The prospect of working at that store for the rest of my life drove me to the decision to attend college. Don’t get me wrong, I will be eternally grateful for that store because it was the vehicle by which our mom provided for us. But that doesn’t mean I needed to make it my life-long career. I didn't want to put up with rude, ungrateful, and classless people (not all of them were like that but there were plenty) and gang members constantly making beer runs and bums demanding free food for the rest of my life.

Keep in mind I was a terrible high school student who only graduated because my high school wanted to get rid of me (I don’t blame them). I applied to Rio Hondo Junior College in Whittier, took all the necessary required documents, and took all the pre-tests in order to qualify for college level classes. I’ve never worked so hard in my life and hadn’t even started college yet. Rio Hondo sits on a side of a mountain and the parking lot wraps around that mountain so when you park you have to walk up hill for about two blocks (sometimes three depending how busy it is) and by the time you get to class you felt like you’ve attended a stair master class.

Did that deter me? No. Every time I thought about quitting I kept thinking about working at 7-Eleven for the rest of my life and it gave me renewed fervor. In short, I transferred to Biola University and graduated with a bachelor and two masters degrees. I eventually completed my teaching credential and my personal financial planning classes in order to because a teacher and personal financial planner.

What’s the point of all this? Well, when I finally took responsibility for my own life it gave me a clear direction. I didn’t ask the government to fix my problems or give me a better life. I racked up student loans but I did something crazy. I paid it back and didn’t ask someone else to do that. Sometimes being uncomfortable could be a good thing. It drove me to a better place. I have freedoms and liberties that I currently have that I would not have had if I simply stayed working at a minimum wage job. It was a great place to start to teach me discipline and responsibility.

As a public school teacher, I have a good salary and great benefits. I am able to provide for my family. As a financial planner, I could choose to work with people I want to. I encounter rude and difficult people all. The difference now is I could choose to not work with them. It's within my right to do so. You don’t have that freedom as a clerk in a convenient store. You have to serve the person in front of you.

Let discomfort drive you to a better place. As Tim Grover said, “You don’t have to love the hard work. You just have to crave the end result so intensely that the work becomes irrelevant.” It takes nothing short of hard work to experience these freedoms. No one else is going to do it for you. “Patience is bitter, but its’ fruit is sweet.”

Two Years of Joy

So my little Alaina Joy just turned two. I remember the night she first came into the world and joined our blessed family. Being a parent is difficult. Anyone who is a parent would agree 1,000%. The idea of being parent is difficult for most people. Even when I was single I could understand in the abstract that being a parent would be extremely difficult and an endeavor I wanted to postpone as long as humanly possible. However, inevitability arrived a few short years after I got married to my beautiful wife. My motto of "avoiding responsibility" was completely and utterly obliterated. There is no avoiding it once you have children.

You see I've viewed, for much of my life, children as a necessary evil. It was a joyless "We have to have them because that's what people do" mentality. I even lazily attempted to find some goodness in having children but still ultimately viewed them as symbols of subjugation, restriction of leisure, and constraints towards happiness. I had a wife to take care of, a mortgage to pay, a lawn to mow, a dog to walk, and I was trying to start my own business. Where did having children fit into all of this?

I couldn't have been more wrong.

Good people in my life tried to tell me that being a parent is "character building." But character didn't matter to a self-absorbed idiot like myself. In my immaturity I thought "happiness" was "freedom from responsibility." That is a great lie the devil and the world tells every young person. Sadly, most of us buy into it and ultimately never truly grow up. Certainly there are people without children who are mature and godly. I'm talking about dismissing fatherhood as if it were banishment from "real freedom." In reality, I was hiding a deep seeded fear underneath this fake tough guy bravado. It was a fear that I might turn out to be like my dad (Summary: He wasn't around). It was masking my own feelings of inadequacies at being a father. Any type of major life change is scary to a child. And I was a child in fear of major change.

So what happened?

Parenting is embarrassing, exhilarating, and down right exhausting. It touches the entire emotional spectrum of the human soul and in so doing it awakens emotional senses within you and it expands your capacity for greater love. Like most things that happen in life, you either continue to avoid the responsibilities that have been given to you and fail or embrace them and thrive and watch yourself be transformed as the thing you dreaded (fatherhood) becomes the catalyst for greater heights of joy you never knew existed.

I love my children and I find joy in their joy. As a result, I learn to find joy in the joys of others, not just my own children. And when we truly "rejoice with those who rejoice" and experience it within community everyone shares in a joy inexpressible and unfading. I believe that's the way God designed a man to experience fatherhood. I've never been more affirmed in my manhood and my masculinity until I had the responsibility of taking care of a family, especially taking care of my children. I never thought that would be the case. But God clearly had other plans and I'm glad His plan always wins out.

Happy Birthday Alaina Joy! You are so dear to my heart and you've changed daddy's life forever. You motivate me to be a better man and a better father by your existence and just like your name you bring unspeakable joy to my life. I love you.

Anniversary 7.0

It’s been seven wonderful years that I’ve been married to the girl of my dreams. As we get older and watch our children grow, we occasionally glance at each other in silent amazement. As the years keep passing by I love my wife more and more. This year, I simply want to point out a few things I’ve learned about marriage so far in our seven short years together.

Before I start, you must remember that for a real view of any long term committed relationship, you have to forget almost every romantic movie you’ve ever seen. Actually, I think most of them are quite harmful to a marriage. The reason is that one of the most common complaints I hear from wives about their husbands is that “he isn’t romantic," which usually means the husband doesn't buy them flowers, chocolates, fancy jewelry or drive up in a limo to pick them up with all those things in hand like Richard Gere did for Julia Roberts at the end of “Pretty Woman.”

Now I’m not saying men shouldn’t make an effort to be romantic (they absolutely should), and though I occasionally do some of these things, riding up in a limo notwithstanding, I appreciate how my wife from time to time acknowledges the "little" things I do for her and the family. For example, she frequently will just say “thank you” for going to work everyday and providing for the family. Yeah, paying the bills and putting a roof over your head isn’t “romantic” or even that “exciting,” but the normalcy of a man’s faithfulness to provide shouldn’t go unappreciated. I think some women miss this, in that they are quick to point out flaws and slow to acknowledge the good their husbands actually do. Sure he may not bring home flowers that often but you wouldn’t care so much about flowers if you were homeless. With that said let the show begin.

Talk the Talk

I can’t begin to tell you how important it is to be able to talk to your spouse. I’m not even talking about the serious stuff, I’m talking about the non-essentials. My wife and I can talk about a spectrum of things. For example, we can talk about the Laker’s salary cap situation this summer and which free agents they should pursue to considering pre-school for our 3-year-old daughter. We can talk about upcoming movies and try and predict if they’re going to stink or be decent. We can talk about different books we’ve been reading and sermons we’ve been listening to online. It’s incredible that I truly feel I can talk to my wife about anything! I love that about my wife.

If you’re single and considering being in a committed relationship with someone ask yourself, “Can I talk to this person about anything?” because if you can’t what do you think you’ll be doing most of the time?

Character Above All

Being married to the right person is amazing. But being married to the wrong person could be absolutely miserable. “An excellent wife is the crown of her husband, but she who brings shame is like rottenness in his bones” (Proverbs 12:4). There’s really no middle ground here. It’s far better to wait to get married then to rush in and marry someone you shouldn’t be marrying. Physical attraction certainly matters, but it’s a person’s character that determines the outcome of the marriage. What attracted me to my wife was her personal relationship with the Lord, her discipline to achieve her goals, and the clarity that she had with all of her life’s pursuits.

When a person knows what they want and those desires are godly ones, it’s a mark of a person with maturity and vision. I’ve met people who date others for dumb reasons (e.g., “We’d have good looking children.”) and those dumb reasons cost them dearly.

Through seven wonderful years, I always check in with my wife and make sure her needs are taken cared of. And as she continues to express her appreciation for me I make sure I do the same for her. It’s a superb place to be, doing life together with an amazing person is a gift from God. The appropriate response to such an astonishing gift is gratitude. My heart is filled with joy and purpose because I’m driven to be the best husband I can be to a wife that deserves no less. That’s the kind of person you want to marry. Someone who by their very nature drives you to be better than what you are.

Happy Anniversary!