Keep track of the money you have saved using the information in this book. Utilize that money to eliminate any existing debt. Afterwards, continue paying the same or a portion of your past debt obligations to yourself. Paying yourself is a great method for building and starting a savings account or an investment plan/portfolio. Consider yourself as a bill, paying yourself first before spending money on miscellaneous expenses. The money can then be used for future expenses/goals, such as: traveling, purchasing a new car, a down payment on a house, children's education, and/or saving for retirement. If you have some extra money at the end of the week or month, consider saving that money instead of finding a way to spend it.

        Start investing as early as you can and invest/save on a regular basis. A technique for doing so is to put the money away using direct deposit or automatic withdrawal. When the money is out of sight, it is out of mind. You will then be less likely to spend that money. The longer you wait to save, the more money (amounting to thousands) you will need to achieve the same goals compared with starting to save early. The earlier in your life you start to save (even a small amount), the greater the benefit later in your life. Remember learning how the interest payments from credit cards adds up quickly as time passes, the same will occur with investing. Therefore, don't procrastinate. Start saving and investing now to achieve your goals in life and to achieve financial independence.

        The information in this book has allowed you the opportunity to free a great deal of money to invest in your future with greater ease and with less worry. Many experts suggest saving upwards to 20% of your yearly income, which may be unrealistic for most people. You decide how much you can save, but condition yourself to save more than the less than 5% average for all Americans. Many people are comfortable with their current standard of living that prevents them from allocating any money for savings. Consider saving/investing all or a portion of the extra money received from overtime income, income tax return, bonuses, gifts, commissions, inheritance earnings, and most importantly income increases. Force yourself to save by using a separate savings account at your bank designated solely for investments and another savings account for known expenses for the coming year. Utilize direct deposit to place a percentage or a specified amount of your salary into the other saving account.

        Reassess your current spending history determining where you are spending too much. Also consider downsizing your home or car if it is larger than you need and can comfortably afford. The reason many people are able to succeed financially is because they do not always increase their standard of living to match their salary increase. People will divide their increase in earnings by allocating a portion (or maybe all) of their money towards savings and allocating the smaller portion towards an increase in their monthly quality of living expenditure. The extra amount directed towards savings will allow you to achieve your goals easier. Individuals with the desire to succeed use their money wisely by investing and saving instead of using excuses for not saving or spending their money frivolously.

        Many people will state they do not have any money to do things, even though they may have thousands in savings/investments. The reason is because they have established an investment/savings plan and are disciplined enough to put away a certain percentage of their income which is then considered untouchable until retirement or an emergency. Although, simply saving your income for the future does not allow you the opportunity to enjoy life now. A balance will need to be established by creating a plan, then sticking to it!


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