ARTICLES/BUILDING WEALTH
Under 30 And Financially Secure In 10 Steps

Being financially secure enough to enjoy your life in retirement is the last thing on the minds of those under 30. After all, with the stress of all the expensive "firsts" that often come about during this period, like purchasing a
car, buying a house and starting a family, it's hard to even think about saving for the future. However, working toward financial security need not be an exercise in self-deprivation, as many people assume. Attaining this goal
even has some immediate benefits, as financial insecurity can become a serious source of stress - something 20-something has enough of already.


So can you achieve long-term financial security without sacrificing your short-term goals? Read on for 10 tips on how to do just that.

1. Have Fun
Enjoy yourself while you are young - you will have plenty of time to be miserable when you are older. Living a successful, enjoyable and happy life is about achieving a proper balance between time with family and friends
and between work and leisure time. Striking a proper balance between your life today and your future is also important. Financially, we can't live as if today was our last day. We have to decide between what we spend
today versus what we spend in the future. Finding the correct balance is an important first step toward achieving financial security. (For further reading, see Budget Without Blowing Off Your Friends.)

2. Recognize Your Most Important Financial Asset: Yourself
Your skills, knowledge and experience are the biggest asset you have. The value of your future earnings will dwarf any savings or investments you might have for most of your career. Your job and future career is the most
important factor in achieving financial independence and security. For those just entering the work force, future career opportunities are as bright as they've ever been. The large number of retiring baby boomers is
expected to create labor shortages. There will be room for advancement as companies scramble to fill the positions held by these aging baby boomers. Those who are in a position to take advantage of these opportunities
will benefit the most.

Look at yourself as a financial asset. Investing in yourself will pay off in the future. Increase your value through hard work, continual upgrading of skills and knowledge, and making smart career choices. Efforts to improve
your career can have a far bigger impact on your financial security than tightening your belt and trying to save more. (To learn more, see Should You Head Back To Business School?)

3. Become a Planner, Not a Saver
Research has shown that those who plan for the future end up with more wealth than those who do not. Successful people are goal oriented: they set goals and develop a plan to achieve them. For example, if you set a
goal to pay off your student loans in two years, you'll have a better chance of achieving this goal than you would if you merely said you wanted to pay off your student loans, but failed to set a timetable.

Become a planner. Set goals and develop an action plan to reach them. Even the process of writing down some goals will help you to achieve them. Being goal oriented and following a plan means taking control of your
life. It is an important step toward improving your financial independence and security.

4. Set Short-Term Goals - Long-Term Goals Will Take Care of Themselves
Life holds many uncertainties - and a lot can change between now and 30 years into the future. As such, the prospect of planning far into the future is a daunting task and in many ways, it's often an exercise in futility for
young investors.

Rather than setting long-term goals, set a series of small short-term goals. These goals could be a simple as trying to pay off credit card debt or student loans in a matter of months. Maybe your goal is to contribute to your
company's pension plan with a set salary reduction contribution each month. Setting short-term goals that will help you to advance in your career is important in helping you get ahead. Remember, these short-term goals
should be measurable and precise. You can't win a race if there's no finish line.

As you achieve your short-term goals, set other short-term goals. Maybe you want to buy a house, earn a promotion at work or buy a new car. The constant setting and achieving of short-term goals will ensure that you reach
your longer-term goals. If your goal is to be worth a million dollars by age 40, you cannot achieve this without first achieving smaller goals like having $10,000, $50,000 or $500,000.

5. Planning For Retirement:
Just out of school, retirement planning is the last thing on your mind. So, if you have to for now, just forgget about it. If you follow the other tips, you will not only be more financially secure and prepared in the short term,
but you will also be financially prepared for the distant future as well.

However, if you take a few steps now to start saving, like setting up automatic monthly contributions to a retirement plan like an employer-sponsored 401(k) or your own Roth IRA, compounding will work in your favor, which
makes reaching your goal much easier.

If you implement this pay yourself first ideal, you won't have to worry about how much you're contributing; the most important thing is to develop the habit of saving. The rest will take care of itself. You can increase your
contributions when your income rises or when you've achieved more of your short-term financial goals. (To learn why starting now can save you thousands later, see Understanding The Time Value Of Money, Compound
Your Way to Retirement and Delay In Saving Raises Payments Later On.)

6. Make Sure Your Lifestyle Costs Lag Your Income Growth
Many new graduates find that in the first couple years of working they have excess cash flow. Still used to their more frugal student spending habits, it is easy to make more money than they need. Rather than using excess
income to buy new toys and live a more luxurious lifestyle, this excess could be put toward reducing debt or adding to savings. As you advance in your career and attain greater responsibility, your salary should increase. If
the cost of your lifestyle lags your income growth, you will always have excess cash flow that can be put toward paying down debt, making investments, saving for a home, or achieving any other financial goals you may
have.

Where many people get into trouble is that they feel entitled to a standard of living that exceeds what they can afford. However, if you keep your standard of living below what you earn, you won't have to cut back to
accumulate money; instead, you will naturally have excess cash flow because you earn more than you need to live on. In addition, keep in mind that trying to keep up with the Joneses is always a recipe for financial
failure. For all you know, you may make more than the Joneses, who may be funding their lavish lifestyle with debt anyway. (For more on this topic, see Stop Keeping Up With The Joneses - They're Broke.)

The good life should be a reward for your hard work, good fortune and successful planning, not something that you are entitled to. Once you have established a certain lifestyle, it is psychologically difficult to lower it. It is
very easy to raise it.
7. Become Financially Literate
Making money is one thing; saving it and making it grow is another. Financial management and investing are lifelong endeavors. Making sound financial and investment decisions is important for achieving your financial
goals. The more knowledgeable and experienced you are in financial matters, the fewer mistakes you will make.

Research has shown that people who are financially literate end up with more wealth than those who are not. There is a strong monetary incentive for becoming financially sophisticated. Taking the time and effort to
become knowledgeable in the areas of personal finance and investing will pay off throughout your life.

8. Seize the Opportunities: Take Calculated Risks
Taking calculated risks when you are young can be a prudent decision in the long run. You might make mistakes along the way, but remember, mistakes are the lessons of wisdom. You often learn more from your mistakes
than from your successes. Also, when you are young, you can recover faster from financial mistakes, and you have many years to recover. (Keep on reading about this in Retirement Savings Tips For 18- To 24-Year-Olds
and Retirement Savings Tips For 25- To 34-Year-Olds.)

Examples of calculated risks might include moving to a new city with more job opportunities, going back to school for additional training or taking a new job at a different company for less pay but more upside potential.
Starting a new company, working for a small startup company, or investing in high risk/high return stocks, is easier to do when you're young. Younger people can afford to take risk, and the same opportunities might not be
available later in life. As people get older and assume more family responsibilities like paying off the mortgage or saving for the kids' education, many are forced to play it safe and are unable to capitalize on riskier
opportunities that present themselves.

Taking calculated risks when you can afford to do so is necessary to get ahead financially. Playing it safe might be the bigger mistake in the long run.

9. Borrow Money For Investments - Never to Finance a Lifestyle
As mentioned before with the Joneses, you should never borrow to finance a lifestyle you cannot afford. Using credit for a life you feel entitled to is a losing proposition when it comes to building wealth. The constant
borrowing will assure that there is no money available for investing, and the added interest expense of borrowing further increases the cost of the lifestyle.
Borrowing money should be used only for investing - where your gain will outrun your borrowing costs. This might mean investing in the literal sense (for stocks, bonds, etc.) or it might mean investing in yourself for your
education, extra training, to start a business or to buy a house. In these cases, borrowing can provide the leverage you need to a reach your financial goals faster. Borrowing to meet short-term desires is counterproductive.
(To learn about your borrowing options, see Different Needs, Different Loans.)

10. Take Advantage of Financial Freebies
Not many things in life are free. If you belong to a company pension plan, take the free money it offers and make sure that you contribute at least up to the maximum of what your company will match.

You can also look for (legal) ways to take advantage of tax laws. For example, contributing to an individual retirement account (IRA) will result in a tax savings - in effect, the government is giving you free money to provide
an incentive to contribute. There is also an incentive to invest in stocks because of favorable tax treatment on capital gains and dividend income.

Conclusion
Achieving financial independence is a goal most people strive for. It is not necessarily easy, but it is achievable if you understand your priorities, set achievable goals and take the proper steps toward reaching them.
How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom

#1: Change the Way You Think About Money
understand the nature of money or how it works.
understand the nature of money or how it works.

Cash, like a person, is a living thing. When you wake up in the morning and go to work,
you are selling a product - yourself (or more specifically, your labor). When you realize
that every morning your assets wake up and have the same potential to work as you do,
you unlock a powerful key in your life. Each dollar you save is like an employee. Over
the course of time, the goal is to make your employees work hard, and eventually, they
will make enough money to hire more workers (cash). When you have become truly
successful, you no longer have to sell your own labor, but can live off of the labor of your
assets.

#2: Develop an Understanding of the Power of Small Amounts
The biggest mistake most people make is that they think they have to start with an entire
Napoleon-like army. They suffer from the "not enough" mentality; namely that if they
aren't making $1,000 or $5,000 investments at a time, they will never become rich. What
these people don't realize is that entire armies are built one soldier at a time; so too is
their financial arsenal.
A friend of mine once knew a woman who worked as a dishwasher and made her purses
out of used liquid detergent bottles. This woman invested and saved everything she had
despite it never being more than a few dollars at a time. Now, her portfolio is worth
millions upon millions of dollars, all of which was built upon small investments. I am not
suggesting you become this frugal, but the lesson is still a valuable one. Do not despise
the day of small beginnings!

#3: With Each Dollar You Save, You Are Buying Yourself Freedom
When you put it in these terms, you see how spending $20 here and $40 there can make
a huge difference in the long run. Since money has the ability to work in your place, the
more of it you employ, the faster and larger it will grow. Along with more money comes
more freedom - the freedom to stay home with your kids, the freedom to retire and travel
around the world, or the freedom to quit your job. If you have any source of income, it is
possible for you to start building wealth today. It may only be $5 or $10 at a time, but
each of those investments is a stone in the foundation of your financial freedom.

#4: You Are Responsible for Where You Are in Your Life
Years ago, a friend told me she didn't want to invest in stocks because she "didn't want to
wait ten years to be rich..." she would rather enjoy her money now. The folly with this
school of thinking is that the odds are, you are going to be alive in ten years. The
question is whether or not you will be better off when you arrive there. Where you are
right now is the sum total of the decisions you have made in the past. Why not set the
stage for your life in the future right now?

#5: Instead of Buying the Product... Buy the Stock!
Someone once asked me why they weren't wealthy. They always felt like they were
putting money aside, yet never seemed to get any further ahead. The answer is simple. I
told them to stop buying the products companies sell and start buying the company
itself! A survey of America's affluent (those who make over $225,000 a year or own
$3,000,000 in assets) revealed that 27-30% of all the income the wealthy earned went
into investments and savings. That isn't a result of being rich, that is why they are rich.
When the pain of getting out of the bondage of financial slavery is greater than the pain
of changing your spending habits, you will become rich. Either change, or be content to
live as you are.

#6: Study and Admire Success and Those Who Have Achieved It... Then
Emulate It
A very wise investor once said to pick the traits you admire and dislike the most about
your heroes, then do everything in your power to develop the traits you like and reject
the ones you don't. Mold yourself into who you want to become. You'll find that by
investing in yourself first, money will begin to flow into your life. Success and wealth
beget success and wealth. You have to purchase your way into that cycle, and you do so
by building your army one soldier at a time and putting your money to work for you.

#7: Realize that More Money is Not the Answer
More money is not going to solve your problem. Money is a magnifying glass; it will
accelerate and bring to light your true habits. If you are not capable of handling a job
paying $18,000 a year, the worst possible thing that could happen to you is for you to
earn six figures. It would destroy you. I have met too many people earning $100,000 a
year who are living from paycheck to paycheck and don't understand why it is
happening. The problem isn't the size of their checkbook, it is the way in which they
were taught to use money.

#8: Unless Your Parents Were Wealthy, Don't Do What They Did
The definition of insanity is doing the same thing over and over again and expecting a
different result. If your parents were not living the life you want to live then don't do what
they did! You must break away from the mentality of past generations if you want to have
a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may not have
had, you have to do two things. First, make a firm commitment to get out of debt. To find
out which debts should be paid off before you invest and those that are acceptable, read
Pay Off Your Debt or Invest?. Second, make saving and investing the highest financial
priority in your life; one technique is to pay yourself first.
Purchasing equity is vital to your financial success as an individual whether you are in
need of cash income or desire long-term appreciation in stock value. Nowhere else can
your money do as much for you as when you use it to invest in a business that has
wonderful long-term prospects.

#9: Don't Worry
The miracle of life is that it doesn't matter so much where you are, it matters where you
are going. Once you have made the choice to take control back of your life by building
up your net worth, don't give a second thought to the "what ifs". Every moment that goes
by, you are growing closer and closer to your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future. Rest
assured, if you are diligent and responsible, financial prosperity is an inevitability. The
day will come when you make your last payment on your car, your house, or whatever
else it is you owe. Until then, enjoy the process.
Becoming Wealthy One Bite at a Time!

A lot of people think rich people become rich because they either make a lot of money or they inherit a lot. But
that's not true for the vast majority of Americans. In fact, most of the wealth accumulated in this country was
accumulated over a lifetime of saving.

You see, the reason rich people get richer and poor people get poorer is that rich people keep doing the things
that got them rich in the first place, while poor people keep doing the things that keep them poor. So, let's
examine how rich people became, well, rich.
To begin with, poor is a state of mind. "Broke" is a state of wallet. You can fix being broke; it's not so easy to fix
being poor. How do you fix being broke?

There's no magic: You just work hard, get a little money, save some of it and repeat this process for very long
periods of time. Eventually, you won't be broke any more. But the poor person next to you will remain poor -
because they will spend any small amounts of money they might come upon, preventing themselves from
accumulating wealth. If you don't believe this, consider the clients of our firm. Based on our survey results of
clients for my book Ordinary People, Extraordinary Wealth, very few of them were born into wealth. As youths, only
12 percent were given any money from parents or grandparents, and even then the typical gift was a savings
bond, insurance policy, or cash. Only 3 percent were given stocks as a child. Less than 7 percent have received
an inheritance.
Of those who did, their inheritance was a small one - 33 percent of those who got an inheritance obtained less
than 10 percent of their wealth this way; only 4 percent got half or more of their wealth through inheritances.

Also, very few (just 6 percent) own businesses, so scratch that as the way to wealth for ordinary Americans. And
forget the lottery, too; only two clients have won, but neither made millions. One won an amount less than 10
percent of his net worth, while the other says his winnings constitute 11 percent, 20 percent of his total savings.
Forget insurance as a source, too. Only 6 percent of clients have gotten any insurance proceeds at all.
Despite these "handicaps", the EFS clients who shared their stories have accumulated, on average, about
$500,000. Where did they get it? The answer is simple:
More than 95 percent obtained their money through their own efforts. They worked hard. Got an education and a
good job. Had kids, and worked even harder. Through it all, they managed to save a little money here and there.

They didn't begin with $100,000 to invest. Instead, they saved what little money they could scrape together, and
they invested it as often as they could. As EFS clients have revealed, the money they invested was always in small
amounts, and usually less than $1,000 - often, much less. And yet, investing small amounts was enough to
produce wealth for them. But is it really that easy?

Yes, but there are some tenets you should follow in order for this to work for you:
You want to start early. Don't wait until next month or next year. You must start to save as early as you can,
because you want to take maximum advantage of time.
The next thing you want to do is save or invest often. Don't contribute to your investments every six months or once
a year. Invest regularly, at least on a monthly basis.
No matter what, don't let anything stop you from investing. It's easy to get sidetracked when you're hit with
unexpected expenses or changes in your life. But if you want to be financially successful, then you must continue
investing, through thick and thin.
Everyone who laments their poverty can offer dozens of reasons why they don't save. Lots of people face
challenges, but what sets the financially successful people apart is that they didn't let life events interfere with
their goal to save for the future.
You can make all the excuses you want, but the fact remains: Either you will or you will not achieve wealth. You
can make excuses for why you are not saving, or you can move past the excuses and save anyway. You can
lament your low pay, your high expenses, your difficult circumstances, or your bad luck. Or you can ignore all
those problems and save anyway. It's entirely up to you. That means you need to start saving money now - no
matter how little you have, no matter how old or young you are. And if you think you can't, try these tips:
Save $10 or $25 before you pay this month's bills. Then pay the bills. You'll be broke when you're done (like you
are every month), but this way, you'll have saved a few bucks before you went broke.
Stop spending coins. By saving your change every month, you'll accumulate $20 or more - literally without trying.
Use supermarket coupons "correctly". Next time you use a "Dollar Off" coupon, save that dollar instead of
spending it on something else. You should be able to save and put away $20 to $50 per month this way.
It won't take long for you to realize how remarkably easy it is to save money. And, over time, you too can become
wealthy one "bite" at a time.
7 Rules of Wealth Building
Practical Keys to Amassing Investment Capital

Most parents want to teach their children responsibility - how to become self sufficient and
succeed in life (after all, no one plans on raising a dead beat). However, very few actually
accomplish this task. Why? Because, as parents, we are limited to the experiences our
parents passed on to us; the antiquated notion that "responsibility" is simply getting a job,
saving a little money, and maybe purchasing a car or some equally important item. Hopefully
these seven rules will open your eyes and help you teach your children to avoid the traps that
have stolen financial success from so many people.

Wealth Building Rule 1: Put Off Marriage
Your biggest obstacle to attaining wealth is YOU. Too often, people live their lives in a manner
that is not conducive to creating riches and then get frustrated at "the system" when they only
really have themselves to blame.
One of the most important financial decisions you will ever make is marriage (more specifically
who you marry and when). By putting off the walk down the aisle for a few years, you can save
a decade worth of frustration. Your first goal should be to become financially independent, with
little or no debt, and have your investments in place. Once you have these three things, your
odds of success are drastically improved by beginning your journey on a level playing field
(after all, the number-one reason for divorce is financial trouble).

Wealth Building Rule 2: Debt is a Disease
With a few notable exceptions, debt is a form of bondage; a disease that enslaves the
borrower. A few years ago, there was a young lady attending college who shot herself because
she couldn't pay back $2,300 in credit card debt. Although an extreme example, it is a
testament to the power money has over peoples' lives. Imagine your life without owing anyone
anything; your car, your house, your education, all paid for in full. Like what you see? When you
want it badly enough, you will make extinguishing your debt your number one priority.

Wealth Building Rule 3:
If You Don't Like Where your Parents Were at Your Age - Do Things Differently
The old cliché that "insanity is doing the same thing over and over expecting different results,"
holds just as true today as it did when it was originally written. If you don't like where your
parents were at your age, stop what you are doing. During your childhood, they taught you all
they knew about money. For many people, these early years established how they feel about
their finances today. In order to become financially successful, you must do something
different than they did. Otherwise, you will end up exactly as they are.

Wealth Building Rule 4:
When you Begin a Job, Look at the Pay of the Highest Employee
Whether you are looking for employment now or are thinking about it sometime in the near
future, one of the most important things for you to do is to look at what the top-dog gets at any
company for which you are considering working. This will give you an idea of how high you can
expect to climb in terms of earnings and promotion. If the CEO is making $30,000 a year, you
have no chance to make six figures. Select a job accordingly.

Wealth Building Rule 5:
Do Something You Love and Get Paid for It
I remember going into college and being surrounded with people who wanted to be artists,
scientists, and businessmen, but instead did what their parents or grandparents told them to
do. There is no honor in being a doctor or a lawyer if you wake up every morning and hate your
job. Pick a profession you love and you'll never have to work a day in your life.

Wealth Building Rule 6:
Understand the Money Myth
Money is nothing more than a piece of paper with the image of a long-dead person on it. When
you understand that any power it has over you is derived from your relationship with it, you
suddenly become free from the constant pressures and stress of thinking about it. Especially
at times such as these, if you are putting money away for ten, fifteen, or twenty years down the
road, stop checking your portfolio every day! There is nothing you can gain from it except
stress.

Wealth Building Rule 7:
Your New Commodity is Not Your Labor, It's Your Ideas
With the advent of the Internet and other technological advances, you are no longer limited to
supporting yourself or making a living by your physical labor. The only limit you have on yourself
now is your own imagination - your ideas are the most valuable thing you possess. Every man,
woman, and child is a salesman for a living; if you don't own a business or investments, then
you sell your manual labor to a company in exchange for a paycheck. Change your product. The
gap between the rich and poor does indeed grow larger with each passing year, but not
because of inequalities or any other such injustices. Instead, it is because the rich understand
money and how to use it. Capital is literally a seed; learn how to plant it to produce the best
harvest. When you do this, you will rule your finances, not the other way around.
BUILDING WEALTH!

How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial Freedom.

Becoming Wealthy One Bite at a Time!

7 Rules of Wealth Building
Practical Keys to Amassing Investment Capital-----------CLICK BELOW, GO DOWN BELOW...
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