The salesperson who pressures you to buy now or invest here, should trigger a red warning flag in your mind. Consider the friend who drops by to give you an opportunity to invest in a red-hot deal. Unfortunately, you must decide today (they say) because they are going to start drilling for oil […]

Start a Retirement Fund Now!
 
 
Start a retirement fund.  If you work for a corporation that has one, use the 401(k) plan.  If employed by a firm with no pension plan, open an Individual Retirement Account.  As a rule, both the contributions to these plans and the earnings are untaxed until you withdraw the […]

Stress Level
 
 
Living above your means creates high stress levels.  High stress levels affect your health, your spiritual life, your emotional health, your marriage and your financial life. 
 
Living within your means lessens this stress. 
 
Living below your means decreases the normal stress of life much more.  Living far below your means gives you […]

Living Far Below
 
 
The only way for you to provide for your later years is to live below your means.  If you want to have any hope of achieving financial independence you must live far, far below your means.  This is not a difficult concept to understand.  Although it is very simple, few people […]

More Benjamin Franklin On Debt
 
 
 
‘Rather go to bed supperless than rise in debt.”
 
”To the generous mind the heaviest debt is that of gratitude, when it is not in our power to repay it.”
 
 
Your thoughts on this subject?  Your comments appreciated!