Category Archives: Military spouses

The Benefit I Hope You Never Need to Use

Every time my husband got ready to leave for more than a few days, whether on a deployment or for training, we would have the same conversation.

“So,” I would ask uncomfortably, “are you sure your affairs are in order?”

The first time I asked, he was confused. “What do you mean?” he asked.

“You, know – the important stuff – if something happens to you while you are gone, how will I be able to take care of our kids?”

“Oh, you mean life insurance?” he asked.

Yes, I couldn’t say the words without a lump forming in my throat. Life insurance.

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No one wants to talk about life insurance, or spend any time thinking about why you might need it, but it’s an important conversation to have. Service members and their families need to think about what they would do if the worst were to happen. As the mom of two young children, I had to be sure I would be able to take care of them, no matter what.

Military members are automatically enrolled in the Servicemembers’ Group Life Insurance (SGLI) for the maximum amount of coverage of $400,000. Premiums are deducted from the service member’s base pay. A service member is automatically insured under full-time SGLI if he or she meets one of the following requirements:

  • Active duty member of the Army, Navy, Air Force, Marines, or Coast Guard
  • Commissioned member of the National Oceanic and Atmospheric Administration (NOAA) or the U.S. Public Health Service (USPHS)
  • Cadet or midshipman of the U.S. military academies
  • Member, cadet, or midshipman of the Reserve Officers Training Corps (ROTC) engaged in authorized training and practice cruises
  • Member of the Ready Reserve or National Guard and are scheduled to perform at least 12 periods of inactive training per year
  • Service member who volunteers for a mobilization category in the Individual Ready Reserve (IRR)

If a service member would like to designate a beneficiary, reduce, or decline SGLI coverage, then a SGLV 8286 form (Servicemembers’ Group Life Insurance Election and Certificate) must be completed. SGLI coverage may be converted after active duty to Veterans’ Group Life Insurance, or to a commercial life insurance policy.

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What about family members?

Military families also have access to Family Servicemembers’ Group Life Insurance (FSGLI). FSGLI is a program providing term life insurance to a spouse and dependent children of an insured service member under SGLI. The service member pays a premium for spouse coverage in $10,000 increments up to $100,000. Dependent children are insured at no cost for $10,000. FSGLI coverage is automatic for $100,000, not exceeding the service member’s SGLI coverage, unless the spouse is a dual-service couple. FSGLI spouse coverage is not automatic for service members who married other service members on or after January 2, 2013. Service members in this category will have to apply for coverage using form SGLV 8286A. Spouse SGLI premiums are also deducted from the service member’s pay and the premium rate is based on age category of the spouse. Post-military service conversion options are available for spouse SGLI, but not for dependent children.

How much life insurance do you need?

This can be different for each family. Generally, financial planners recommend short-term needs to cover immediate expenses such as outstanding debts, and long-term needs of future income to sustain the household. Take some time to talk to your spouse about your short-term and long-term needs, and learn more about life insurance options available for service members and their families. It may be helpful to consider your life insurance needs after your service member transitions out of the military, as well. A financial counselor can help you plan for your needs, and counselors are available at your local installation, military banks, or credit unions, or via Military OneSource.

katiePosted by Katie Savant, Government Relations Issue Strategist

Military Spouses: Start Your Career as a Financial Counselor! Apply for a FINRA Fellowship Starting March 1!

“If you can’t figure out your purpose, figure out your passion. For your passion will lead you right into your purpose.” –Bishop T.D. Jakes

I don’t think any truer words were ever spoken. Twelve years ago, I married my high-school sweetheart and entered the world as a new military spouse, a “dependent.” Suddenly, all of those years of awards and accolades came second fiddle to my new husband’s career. For the first time, I had to figure out the answers to questions like, “Who am I? What is my purpose in this military world?”

Years went on, and I gave birth to our first son. Yet, I felt unfulfilled. Would I be content staying at home until he, and our future children, went to school? Luckily, I didn’t have to struggle with that decision for very long.

In May 2007, the FINRA Foundation Military Spouse Fellowship Program approved my application to work towards earning an Accreditation in Financial Counseling (AFC). My passion for assisting military members and their families ultimately led me to finding my purpose: promoting financial readiness and awareness to my other family–my military family. I enthusiastically completed my required hours at Army Community Service in the Financial Readiness Branch at Fort Hood, Texas, and I was able to complete the formal education portion from the luxury of my couch, in my pajamas. The best of both worlds!

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A year after I started the Fellowship Program, I earned my AFC. I had a designation that could follow my name and be added to my resume. Robyn Alama Mroszczyk, AFC has a great ring to it! In 2009, we moved to Fort Sill, Oklahoma where I taught a Personal Financial Management class to new soldiers who were going through the Advanced Individual Training (AIT) course. I was able to serve these newbies before they arrived at their unit.

Between another PCS move to Fort Knox, KY, I taught over 1,000 soldiers. However, I like to think that I reached even more than those 1,000. As we know, soldiers talk to each other (good and bad information), and if they took one thing that I taught them, that knowledge would continue to spread.

While we were at Fort Knox, I had the privilege of working as the Survivor Outreach Services Financial Counselor for Gold Star Families. I was offered the position because I held the AFC designation. For two and a half years, I worked with the greatest families and helped them through their toughest moments. I was heartbroken when we received orders to Peterson AFB in Colorado, as I had finally found my dream job. But, we go where the Army sends us, and my time was up.

Since then, we have moved twice, and I have worked with Zeiders Enterprises as a Personal Financial Counselor. As a contractor, I had the luxury of applying for assignments based on my families’ schedule. I provide short-term financial counseling to military members and their families with managing finances, resolving financial problems, and reaching long-term goals.

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With the AFC, I have been able to add other designations to my name and resume: Certified Credit Report Reviewer and Certified Consumer Debt Collection Specialist. I have taken numerous continuing education classes to keep up-to-date on financial topics. In November 2015, I attended the AFCPE Symposium on a scholarship from the USAA Educational Foundation. While I was there, I met up with FINRA Fellows from the last nine years.

When you become a FINRA Military Spouse Fellow, you are welcomed into a community of intelligent, energetic, and motivated spouses. You are never alone. If you have a question, there’s a Facebook group to assist and cheer you on. We brainstorm and pool our areas of expertise to provide solutions that ultimately help our clients. As we gear up for move number eight in 12 years, to Washington, D.C, I am optimistic about entering the workforce full-time again.

As military spouses, we are part of an extended family that reaches across the world. Just like our nuclear family, finances are a taboo topic to discuss. However, our military members are having to do more with less, and we owe it to them to provide the best customer service we can. As for me, I want to inspire. I know that I can’t fix all of their problems, but I will do what I can to make a difference where I can.  Will you join me in that journey?

If you’re ready to start your career in financial counseling, apply to be a FINRA Military Spouse Fellow starting March 1, 2016. Applications are being accepted through April 22, 2016.

robyn'Posted by Robyn Alama Mroszczyk, AFC, FINRA Military Spouse Fellow

4 Threats to Your Military Marriage and How to Fix Them

As a military spouse and professional counselor, my favorite thing is seeing military couples build a great marriage. In a lifestyle that is constantly changing and stressful, it is difficult to stay connected and thriving. Deployments, long work hours, and other types of separations interfere with family time and couple time. Experiences from deployment can often change the way a couples relate and handle stress.

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Here are some common topics I hear from military couples in my counseling office, and suggestions I offer:

Our schedule makes it difficult to find time for each other.
A healthy marriage needs regular face-to-face time to keep a couple connected.  Over time, the relationship can become more shoulder-to-shoulder, especially when children come along. It is imperative that you are intentional with the limited amount of time that you do have. Plan at least one uninterrupted ‘date’ each week (in advance) where all surface talk will be set aside. Commit to making your time positive. Refrain from resolving major conflict and be protective of these moments. Commit this time to encourage and build each other up rather than fixing problems.

Also, set boundaries at work when possible. Leave when they say you can leave, and set an example for your colleagues on investing in your family. Even if you feel your marriage has become more “back-to-back,” make intentional time to look each other in the eye. You will be surprised how quickly your spark comes back.

We have grown apart after frequent separations.
Needing our spouse often gets a bad rap, as if it somehow makes us actually “needy.” The truth is, couples get married because their spouse adds something of value to their life. Take them away, and something will be missing. You have powerful influence into your spouse’s self-confidence and sense of value. Much of that happens when there is a place for them in the home and the relationship.

After many separations, couples grow used to having separate lives, which causes conflict or a quiet distance between them. Starting a new pattern will be difficult, as the spouse at home relinquishes control and the service member tries to re-engage. It is not an issue of who does it better, but whether you feel you are a team. Although this isn’t true in every case, men typically understand love through feeling respected, while women do through emotional connection. Talk about sharing more responsibilities shoulder-to-shoulder, as well as meeting needs that are more intimate.

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My service member’s traumatic experience in the military has changed us as a couple.
Anytime life hands us something unexpected, it creates an opportunity to grow and change as a couple. If your spouse has been through something traumatic, professional help for one, or both, of you may be necessary. Many spouses struggle with resentment and anger that professional counseling will help with.  Flashbacks, nightmares, avoidance behavior, and irritability makes any couple feel they’ve been robbed of the relationship they had before. There are treatments available that lessen current anxiety and help manage the memories that often surface.

Support in your community will also be important for both of you. Consider looking into groups of other spouses who are in your situation, as well as other veterans or battle buddies, if you are a service member.

My spouse refuses to go to counseling with me.
It takes two to work on a marriage. Having goals and working on them together will set you on a path to grow and mature as a couple. If your spouse is not ready, or is resistant to marriage counseling, consider going on your own. Working on your own personal goals and learning healthy boundaries will ensure that you are making healthy decisions during a difficult time. The hardest part of marriage is having no control over the choices your spouse makes. Sometimes, when your spouse sees you growing and making changes, it will trigger them to want to grow as well.

If the problem is getting your service member help off the installation, make an appointment for marriage counseling as the dependent, and have your service member join you. This helps with avoiding any red tape that could slow the process down for them.

I believe marriage is the greatest asset we have as military couples. It offers stability to a lifestyle of uncertainty. When we invest intentionally, it becomes a “home” that never changes, a safe place when times are difficult. Your marriage should always be growing, with new goals and ways to improve. Commit to creating opportunities for face-to-face time and make it a priority. You have great influence in breathing new hope and life into your spouse.

My motto? Start simply, but simply start.

What ways do you put effort in to your military marriage?

corie-weathers-headshotPosted by Corie Weathers, LPC, 2015 Armed Forces Ins. Military Spouse of the Year and host of Lifegiver Military Spouse Podcast

Meet the Best Military Spouse Photographers of 2016!

Last year, NMFA ran a promotion hoping to pair up fabulous military spouse photographers with families who deserved some family photos to cherish. These photographers volunteered to share their time and talents, and were eager to send us the best shots from their photo sessions.

Here at NMFA, we are proud to support military spouses as they chase their dreams. This contest gave us an opportunity to celebrate the talent found within our communities, and we hope next time you need a photographer, you check this list to hire a military spouse in your area!

Photo Contest Photographers

April Kroenke Portland, OR: April Kroenke Photography

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April Kroenke is an international award winning photographer who is recognized for the experience she creates for her portrait clients. She specializes in modern lifestyle portraits that tell the story of her clients through connection, expression, personality, and the surrounding environment. April’s passion is in creating beautiful works of art and a wonderful experiences for her clients. She looks forward to telling your story!

Find her on Facebook, Instagram, Twitter and Pinterest.

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Ashley Langtry Brunswick, ME: Ashley Langtry Photography

View More: http://ashleylangtry.pass.us/kellyfamily

Ashley Langtry specializes in baby and lifestyle photography. Her site says “I am painfully awkward, but equally awesome. I am an aspiring gypsy, lover of all things whimsical, and mama to two little crazies. I am hopelessly optimistic, believer in romance, hugger of trees, and lover of a US Navy Sailor. I try to design a photo, as well as document a moment. When people hire me to photograph for them, they are hiring me because someone they love is on the other side of my lens. For me, it is an honor to capture that love for them.”

Find her on Facebook, Pinterest, Instagram and Google+.

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Athena Plichta Naples, Italy: Athena Plichta Photography

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Athena is a food, lifestyle, and travel photographer currently based in southern Italy.

Find her on Instagram.

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Cindy Corcoran Newport, RI: Ellie Lynn Photography

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Cindy is a lifestyle photographer, specializing in portraits for families, children, couples, military members, seniors, and special occasions. Memories are only but a moment captured in time and she loves to capture real people living their real lives.

Find her on Facebook.

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Danielle McCown Lakenheath, England: Danielle McCown Photography

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Danielle has a beautiful natural style, and is wonderful with children and families.

Find her on Facebook.

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Emily Grace Fort Rucker, AL: Emily Grace Photography

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Emily says it best: “What photographs are you passing on to your kids’ kids? Instagram selfies? (No way!) Stop thinking you have to look a certain way to be photographed! You are you, and that’s beautiful. Don’t believe me? Ask your kids. Ask your spouse. Ask your neighbor. Ask me.”

Find her on Facebook and Instagram.

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Judith Lovett Atlanta, GA: Judith Lovett, Photographer

Judith loves to take portraits that tell a story.

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Find her on Facebook.

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Julie Rivera El Paso, TX: Julie Rivera Photography

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Julie has a message for you: “Your life, at this very minute, is enough. I want to show you the majesty in between the highlights. The day-to-day that is the very essence of your child’s childhood. I want you to see that everything you do is more than enough: it is the life of your family. And it is tremendous!”

Julie is not currently taking new clients, but you can see her work on Facebook and Instagram

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Kathryn Bailey Hessen, Germany: LittleB Memories

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“A toothless grin. A newborn snuggle. Tiny arms around your neck. Moments like these happen far too fast. Portraits bring those memories back long after those little ones have left the house. LittleB Memories is a place where that magic is treasured; I capture the times you value the most, so you can relive your favorite moments again and again for years to come.”

Find her on Facebook.

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Meagan Drew Monterrey, CA: Momma Mea Photography

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Meagan strives to capture moments for you and your loved ones just as a Momma would see them!

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Michelle St.Clergy Fort Polk, LA: Chaque Bonne Memoire Photography

Chaque Bonne Memoire means “Every Good Memory.” And that is exactly Michelle’s mission: to ensure each moment, each facial expression, and each journey that you take us on with you is left with an everlasting good memory.

Find her on Facebook and Instagram.

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Nichole Glover Fort Gordon, Ga: Glover Images

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Nicole specializes in family photography.

Find her on Facebook.

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Robyn Mroszczyk Huntsville, AL: Vanderport Designs 

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Robyn Mroszczyk is a natural-light photographer who specializes in family, maternity, and children sessions. She is a military spouse to her high school sweetheart, and they have two boys who keep her busy. Robyn believes in affordable photography so that everyone can have special moments captured and displayed. When she is not doing photography, Robyn is an Accredited Financial Counselor, where she assists transitioning Service members preparing for a deployment, redeploying, retirement, and everything in between. Her sense of humor, patience, and ability to make a fool of herself have served the photography world for the last four years. Robyn looks forward to creating memories in the Huntsville area until the fall when her family will move to Washington D.C.

Find her on Facebook and Etsy.

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Rosie Suerdieck Colorado Springs, CO: Reflections by Rosie

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Rosie is a wife, mother of four, cuddler of her Lab and Jack Russell, and momma to 10 chickens. “Life is an adventure, and I take it on. I specialize in high school senior portraiture for the fashionable girl, and mentor fellow photographers on how to be better businesswomen.”

Find her on Facebook and Instagram.

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Sarah Case Washington, DC: Tiny Sparrow Photography

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Sarah’s intention as a photographer is simple: “When time has erased all the details — of the long stretches of sleepless nights, small meltdowns, first words and first steps — what I hope will remain are the beautifully captured moments and timeless photographs I have created for you — that we’ve collaborated on together.”

Find her on Instagram, Pinterest and Twitter.

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Stefanie Adams-Figueroa Ramstein, Germany: Wunderkind Photography

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…because they’re only this little once…

Find Stephanie on Facebook.

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MilSpouse PhotographerWhy choose a military spouse photographer? These entrepreneurs have set up their businesses again and again at each new duty station. Many photographers build their business through word of mouth, and when you move every 2-3 years, it isn’t easy.

We are proud to be able to promote these photographers as a special “thank you” for the time and service they donated to their communities this year! Help us encourage these spouses  by hiring one in your area next time you need family photos taken. This is an investment you won’t regret!

Interested in being featured on NMFA as a military spouse photographer? Our family photo contest runs each spring, and pairs hardworking photographers with military families for a special photo session. If you’d like to hear more about the program and donate a photo session to a deserving family while building your business at your current duty station, fill out this form.

I Used My Spouse’s Post-9/11 GI Bill…and I Don’t Feel Guilty

I have a confession to make. I used my husband’s Post-9/11 GI bill for myself instead of saving it for our kids.

Gasp!

Do I feel guilty? No, I don’t.

First of all, the Post-9/11 GI bill is my husband’s benefit – not mine. When I decided to go to grad school, he offered to transfer it to me. I said, “Don’t you want to use it?” He knew he would have additional educational opportunities through the military and at that point in time he wasn’t interested in further education post-military service.

“What about our kids,” I asked? “Should we save it for them?”

“You want to go to school now. Our kids are in diapers.”

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So, I started to do some research on how I could financially support my family with an advanced degree. The Department of Labor reports “few things affect people’s earnings power more than their level of education. In general, more education means more dollars earned.” There are several reports with lots of data confirming that lifetime earnings increase as education levels increase. The Department of Labor also reports in 2014 the median weekly earnings for full-time workers were:

  • $488 with less than a high school diploma
  • $668 with a high school diploma and no college
  • $1,101 with a Bachelor’s degree
  • $1,386 with an Advanced degree

Wow – that is a $898 weekly difference!

What does all of this data mean for me? It means by using my husband’s Post-9/11 GI bill to obtain an advanced degree I have a better chance of supporting my family financially over the long term. It also means, with careful planning we’ll be able to set aside money to send our kids to college.

Another consideration for our family was to gauge whether the Post-9/11 GI bill would be available for our children. Recent proposals include reducing the Post-9/11 GI benefit for dependent children by removing the housing stipend for dependents receiving a transferred benefit. This proposal wasn’t approved by Congress last year; however no one can accurately predict what the future benefit will look like.

The idea that the Post-9/11 GI bill might not be available by the time my children are old enough to use it is scary. And knowing that I could provide more financial stability for my family sooner than my kids would be able to use the benefit made the choice easier for us to make.

So yes, I’m guilty as charged: I used my husband’s Post-9/11 GI bill benefit. And if it’s the right choice for your family, you should consider it, too.

If the Post-9/11 GI bill isn’t an option for your family, consider applying for one of NMFA’s many military spouse scholarships! There’s something for everyone, and even partner colleges and universities who have incentives on top of our scholarships! Apply by January 31, 2016!

If you’ve used your spouse’s Post-9/11 GI bill, how did you family decide on this? Tell us about it in the comments.

katiePosted by Katie Savant, Government Relations Issues Strategist

Best Songs for Deployments: And the Award Goes to…

I’ve heard that music is both deeply healing and personal to some people. I’d agree with that, especially because I’m one of those people. I associate songs with memorable times in my life, and frequently use music to change my mood. My favorite songs come from the best times in my life. And I’m not embarrassed to say most of them are from the late 90’s and early 2000’s. I’ll admit it: I probably peaked in high school.

I’ve had music playlists for just about everything; working out, road trips, driving to the beach, driving home from the beach, girls night out, breakups, being in love, getting hyped before a game. You name it, I’d make a playlist. Then I’d turn them into CD’s, which I still play in my car to this day. (Take that, technology!)

No surprise, the playlists continued into military life. A few years ago, I had a pretty fun little playlist to get me through my husband’s deployment. I still love most of those songs, but I’ve got a different perspective now, and a better song selection, I think. And I’ve put them into a few categories that might speak to your life as you face a deployment of your own.

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Best song to play during Week One of deployment: “Soldier,” by Gavin DeGraw
It’s ironic that Gavin DeGraw sings this song in the rain, because that’s basically what week one of deployment is like for many military spouses: lots of face rain (crying). Let this song remind you to be strong for your service member and your family. It’s okay to be sad, but know you’re going to get through it.

Keep this lyric handy: My aim is so true, I wanna show you, I’ll try forever. I’m never gonna say ‘surrender.’

Best song to sing while drinking wine with your deployment buddy: “Hold On,” by Wilson Phillips
Sometimes, we just need to take it back to the 90’s girl band awesomeness. Sing your little heart out with your deployment bestie and pat yourself on the back for being one more day closer to your spouse coming home. Just hold on for one more day (see what I did there?). And because I feel like it’s a crime not to mention these two, honorable mention goes to “Tell It To My Heart,” by Taylor Dayne, and “Say My Name,” by Destiny’s Child.

Keep this lyric handy: Yeah, I know that there is pain, but you hold on for one more day, and you break free, break from the chains.

Best song to send to your service member: “Bring It On Home,” by Little Big Town
Your loved one needs your unconditional encouragement and support during every moment of their deployment. Some days, they might be homesick. Other days, they’re mission-focused and distant. This song is the perfect way to say “I love you and support you. I’m keeping the home-fire burning.” Cue all the feels.

Keep this lyric handy: When your long day is over, and you can barely drag your feet. The weight of the world is on your shoulders, I know what you need. Bring it on home to me.

Best song to blast when you’re sick of this deployment: “Riot,” by Three Days Grace
I know we’ve all had those moments when we’d give anything to bring our spouse home RIGHT NOW. The kids are out of control, the dryer just broke, and we can’t clone ourselves. Channel that frustration and blast this in your minivan. Just don’t actually start a riot, and maybe cover your kids’ ears when you listen to this song.

Keep this lyric handy: If you feel so angry, so ripped up, so stepped on, you’re not the only one refusing to back down. You’re not the only one.

Best song when you’re missing your love: “Fall,” by Clay Walker
It’s bound to happen: your heart is aching and you just want to roll over in bed and put your arm around your bae. Nothing would make the day better than to be wrapped up in their arms, safe from the world. This song is the perfect reminder that marriage is a partnership, and even though deployment is tough, you can get through it by leaning on each other for strength.

Keep this lyric handy: Go on and fall apart, fall into these arms of mine. I’ll catch you every time you fall. Go on and lose it all, every doubt, every fear, every worry, every tear. I’m right here, baby fall.

Best song to remind you why you stand behind the uniform: “Star Spangled Banner,” sang by Whitney Houston at Super Bowl XXV, 1991
Some spouses may be decades into military life, others may not even be married yet, but it’s easy to forget why we support our significant others. Day-to-day schedules overwhelm us, and commissaries, base gate checks, and long waits at the pharmacies just don’t give you the warm and fuzzies of American pride. But let me tell you: when you need a gut check, Whitney Houston delivers. And this emotionally charged version of the National Anthem will renew your drive to be proud and supportive during the rest of this deployment.

What are some of your favorite songs to get you through a deployment? Share them with us!

shannonPosted by Shannon Prentice, Content Development Manager

4 Tips to Get Back on Track After New Year’s Resolution Failures

Studies show that by January 20th, most New Year’s Resolutions are busted. So, if we’re science-ing and being technical, my 2016 is ruined and my life is over because I ate rice crispy treats for dinner last night, instead of a salad. If we’re being honest, I also haven’t exercised every day, like I said I would in my New Year’s resolution Facebook post.

Let’s be real: who’s got time to eat all the salads and run all the marathons? Not me.

How can we get this resolutions train back on track without feeling like a complete rice-crispy-filled failure?

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I’ve got four tips:

Redefine your definition of success. And be okay with it. Expectations are the fastest way to kill your momentum when it comes to keeping those New Year’s resolutions. No matter what your focus is, you’re bound to find someone doing it better on social media. But that doesn’t have to kill your vibe. Instead, redefine success.

Basketball Hall of Fame inductee and 27-year UCLA basketball coach, John Wooden, coined his own definition of success as, “Peace of mind attained only through self-satisfaction and knowing you made the effort to do the best of which you’re capable.”

Success = doing the best you can.

Pick new resolutions. I know, it seems like quitting. But it’s not. Did you do your best to keep your resolutions? If not, go back to tip #1. If you did give it your best, and couldn’t succeed, consider getting real with yourself; take a good look at the resolutions you made January 1st. Think about other goals you’re bound to achieve when you give it your best—maybe even something you can achieve multiple times, and maybe even by tomorrow. Pick attainable goals, keep your expectations in check, and you’ll be on the path to keeping your resolution longer.

Celebrate every single win. Once you redefine success, or maybe lighten your resolution load, you’ll find yourself meeting and exceeding your goals (#winning). Resist the urge to devalue yourself and your achievement for any reason—instead, stand in that awesomeness, own it, and celebrate that win. For extra self-satisfaction, write your successes on a Post-It and stick those bad boys some where you’ll see it all the time!

Appreciate each failure, and try again. Unless your resolution is to eat a rice crispy treat every day (and yay for leap years—366 rice crispy treats!), failure is bound to happen. Some may not face it, but many of us will. And the only way we keep from feeling like a lump of a human being with no ability to succeed, is to try again. Being able to appreciate a failure, no matter how unsettling, is hard. But getting up, dusting yourself off, and trying again is both necessary and powerful.

Consider this quote (one of my personal favorites) from President Teddy Roosevelt:

“It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better. The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood; who strives valiantly; who errs, who comes short again and again, because there is no effort without error and shortcoming… who at the best, knows…the triumph of high achievement, and who at the worst, if he fails, at least fails while daring greatly.”

Success isn’t always winning, it’s found in the wanting, the trying, and the kick-butt ability to keep going, even when you fail.

So what if it’s only January 20th and your resolutions are shot? You get to start over and try again. You faced the arena, tried your best, and came up short…and that’s okay. The key is refusing to define yourself based on a stupid resolution or failure. You are not your failures.

You can get this train back on track! And if all else fails, the rice crispy treat thing is a great option.

How are you doing with your resolutions? Are you starting over? Tell us in the comments!

shannonPosted by Shannon Prentice, Content Development Manager