The Financial Alchemist
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Earning money is easy. Go to school, get good grades, graduate VOLA! I have a JOB! But where does it go smash. How do we end up in a mountain of debt, ne home, new car/cars toys, vacations, endless memberships keeping up with the Jones, who we just discovered they were trying to KEEP up with us?
We are taught HOW to get/earn money. From an early age we figure out how to get our hands on the green stuff! Birthdays, Tooth Fairy, Holidays, GOOD GRADES doing odd jobs, babysitting, washing cars, walking dogs our first JOB. Getting the money was, and still is, pretty easy. But again, where do things go smash? Well look at the list above and do you see any clues? HUM? YES, we earn it, but NEVER learn how to GIVE, SAVE and SPEND responsibility. IE make money behave.
So, we learn how to get/earn money but rarely taught how to make that money behave. Behave? Really? Well, if you don't make that money behave, it will behave for you and simply disappear. We are taught at an early age how to make it "disappear." You get $10 for your birthday, but you have no CLUE want to do with it. So, you go the nearest "expert" GRANNY! Granny says, "little Jimmy, go BUY something YOU like! VOLA, you got this money thing figured out! Get it SPEND IT!
So, here you are 35, career, married, kids, mortgage, cars, credit cards, HELOC. As Billy Joel says, "we did not start the fire (debt)." and that is true, BUT you can put the thing out! How? You say you are drowning! The debt is mounting, you need a college fund for the kids. Your retirement is smaller than your checking balance, depending on which checking account, balance you look at! You need a guide; you need a plan. Keep READING
Dave Ramsey teaches that we do wander into debt, BUT we do not wander out of debt. Since money is 80 percent behavior, we have to CHANGE the way we THINK about money!
Proverbs 21:5 The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty. As the scripture speaks, being diligent and having a plan will bring abundance. No plan and being hasty (want it now, buy with credit) lead to poverty. So thoughtful management of money will lead to abundance!
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