DLJ Wealth & Tax - February 2020


It Comes FromWithin F eb. 2 is Groundhog Day, which means it’s the perfect time to watch the Bill Murray classic, “Groundhog Day.” This is one of my favorite movies. I could watch it over and over again, which is a little ironic, given the plot of the film. If you’ve never seen this comedy classic, put down this newsletter and go watch it immediately! I’ll wait.

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And it’s not just in finances where we can get stuck in a pattern. I was in a failing marriage where I tried doing whatever I could to make everything perfect in our home because I thought that would make everyone happy. Instead I stressed out my children and no one was happy. It took me a long time to realize the best thing I could do was not try to change my spouse. It was not my responsibility to change him and I only made the situation worse. To let go was a really hard decision because change is always difficult, no matter what.

Alright, if you don’t have time to watch the movie right now, here’s the summary: Bill Murray plays Phil Connors, a cynical weatherman who

is sent to cover the Groundhog Day festivities in Punxsutawney, Pennsylvania. Somehow, Phil finds himself caught in a time loop, forced to relive Groundhog Day over and over again until he learns how to be a better person. It takes him a long time to figure that out though.

No one can make you change; you have to want it for yourself.

Change means putting yourself in the unfamiliar, and that can be scary. This is why true change must

come from within. No one can make you change; you have to want it for yourself. My job is not to change people but to help guide them towards their goals. People do a lot better with achieving goals they chose for themselves rather than what they think they’re supposed to do. This is demonstrated so well in “Groundhog Day.” Phil didn’t become a better, happier person until he decided to change. He had to change his heart, and that could only come from within. To change and break old habits, you need to have courage, focus, perseverance and, above all, forgiveness. First, you need to be able to forgive yourself, then others. Change can be something you truly desire, but you must accept the fact that you may occasionally fall back into old habits. Thinking of change as a transformation can make slip-ups easier to overlook as you will find yourself focused on the transformation rather than the mistakes. The good news is that your slip-ups are not fatal, they’re merely the learning lesson. So, will Punxsutawney Phil see his shadow this year?

Phil spends a lot of his time loops still being an obnoxious person because he knows there will be no consequences. He even tries to seduce his coworker, Rita, who turns him down because he’s not a nice guy. Over

time, Phil realizes he cares about Rita and wants her in his life. In order to get that, he needs to make some big changes about himself. When Phil finally proves himself and wins Rita’s heart, he’s able to move on to Feb. 3, the day after Groundhog Day. There’s a lot of reasons why I like “Groundhog Day,” but one of the biggest reasons is how Phil’s situation is something a lot of people experience. Take away the supernatural elements, and you have a man who’s stuck in his habits, doing the same things again and again even though they don’t help him. Many people I know can relate to this feeling. I’ve helped a lot of people break these patterns in their financial habits. They want to successfully manage their money, but they keep doing the same thing over and over again and see the same results. It doesn’t change unless they do something truly different.




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