Well, the usual route is to work hard (but not like a dog) and then save a lot too. This was the surefire way to build up wealth over a short period of time (how short depends on a lot of other factors). The idea is to squirrel away much of your present income and save enough to let the benefits of compounding work on the nest egg. It sounds easy and simple enough but sometimes harsh reality sets in. People achieve great things by being consistent and saving to build up wealth requires consistency, day in and day out, payday in and payday out, month by month and year by year. Admittedly, this concept of frugality flies in the face of the “me-generation” and the “I want it now” advertising lines of credit cards. What do you want? Enjoy your money now? Or enjoy it later when you are already old? What happens if you have saved enought money but no longer able to enjoy it anymore because of some infirmity?

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