Part 1 of 5: hope is not a strategy
The secret of financial independence is probably the single most important issue on the minds of baby boomers and generation of Ambassador members heute.Jeder economic shock, each round redundancies or repossessions, causing the problem, every day a fruitless job search in our mind to grow.
The answer turns out to be pretty simple - and simplicity is actually very difficult for many people to accept it. For this reason, the truth is often overlooked or rejected, although it is actually right in front of our faces every day.
Part of the reason may be that while the formula for creating wealth in a capitalist economy is really easy, is not very easy to implement it.It requires discipline, focus and a long-term vision of the future.
In addition, it requires also education. No education or higher education for this Angelegenheit.Was is required, financial education - a specialized type of know, not very convenient, in which the vast majority of schools in the world is taught.
In other words, if you want to live life like most people can not afford you must be willing, to think differently, as most people are taught to think reality, not knowledge must be your guide. You must be prepared to accept the fact that just because you have been a certain thing your whole life taught, not make it necessarily true.
You can live well and create a secure Ruhestand.Aber need accurate information and a company access the real rules of the game that happen to make. The first rule is, "Hope is not a strategy".
This article is written for those of us that fully but rather on hope you intend to win the game verlassen.Wenn containing read then please.
The world has on the "safety net" that supported our parents - funded pensions, Government support and living wages, the savings - quietly dismantled.A social contract between workers and employers, the responsibility for providing for retirement has has been moved no longer almost completely to the individual.
Now is the cost for getting older at an alarming rate eskaliert.Unsere children is college tuition as much as 20% a year or more.Our parents medical care and maintenance costs are skyrocketing.We see to implode just our health systems before our eyes.
And deep inside, we know the most recent federal tax reductions in budget deficits at the local level, the already enormous are hidden tax increases, triggering important services are disposed of as our bridges, roads, sewers and other infrastructure crumble for lack of proper maintenance arise.
We crawl when we see one other seniors, passing us to know drive-through French fries in the window, you at home, the meals instead you should be served.
We crawl because we know that one day soon, this could be us.We do not think, but we know that more and more people are simply intended to work until you it's deep inside sterben.Und a peaceful, rolling, the buildings in our souls.
In fact, according to the 2008 retirement confidence survey, only 47% of American workers we have once the effort made to calculate how much money we save time retirement — much less formulated to save a plan for it.
Many of us have played at the stock exchange - and verloren.Unsere of paychecks stagnate; that is, if we haven't filed before kurzem.Der latest refinancing boom has millions of us with little or even no real equity in our homes and foreclosures are at an all-time high.
So for many of us, it is too late, only we want save our way out of this Schlamassel.Wenn to "beat the system", and escape the trap with our financial lives, we must improve our profitability and our cash flow - quickly and dramatisch.Aber is there any way to do honestly, legally and ethically?
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