Many years ago, I read where Napoleon Hill pointed out that the imagination is the most marvelous, miraculous, inconceivably powerful force that the world has ever known. Did you know the average individual uses the imagination–if they ever use it at all–against themselves? They imagine what they don’t want. They imagine problems coming. Let’s begin…

As saving, wealth creation, and retirement planning are a big part of this site, you may be wondering, “How much money do I need to retire?” The answer is simple: Multiply your desired/required annual income in retirement by 25. Withdraw 4% or less the first year, followed by the same amount every year after that,…

The wealthy possess characteristics and traits which are usually out of the norm from most people. Is this such a surprise? After all, they have to be doing something different if they are millionaires in the first place. Here are five of the characteristics millionaires possess. They Don’t have a Budget At first pass, this…

What are some of the reasons you find it hard accepting money? Discovering them helps you understand why you’re not building up wealth and not enjoying the financial freedom. Once upon a time, I would not have accepted money for helping someone out with computer issues. This was for a friend, who runs a small…

A Lifetime of Savings Means You Can’t Bring Yourself to Spending Imagine the following: You’ve 67 years old. Over the past four decades of working, you’ve amassed a net worth of well over several million dollars. This is more than five times the national median of $200,000 for someone who is 65+ years old. But…