The point here is that it does not matter whether you are retired or due to retire. We all need to do something to secure our financial future. We can not expect the government to bail us out for a lifetime of poor money decisions. The line will be very long.
The combined average income for a household in the USA is below $50,000/yr. That includes many households where there are two incomes. Those who do better are not much better off because they simply spend more. We have become a society of consumers. We have adapted to the credit mentality and never really think about the future. Loans and credit cards are the tools of those who are cash poor and can only afford their lifestyle through borrowing. The downside is that consumers are paying a hefty price for their toys. The American public is burdened with debt from accounts that are charging them 18%-30% interest. Many people are so strapped for cash that they only pay the minimum on the debt. At that rate the debt will outlive the people who created it. Are you one of those people? What if you had invested the same money you spent for 'things' and were receiving 10%-12% interest on your money. You could be wealthy already.
What is different about the other 5% who will be prepared for the future and live a comfortable and secure life? They are different because they live by a different set of rules. They are not consumers, they are investors. Does investing just mean the stock market? No, investing is when you put time, money, and energy into something with the expectation of a return. It means that you have calculated and minimized the risk involved with your ventures. It means you are informed and educated when it comes to money, wealth, and investing.
So what are these different rules? There are many, but it is safe to say that those who know these rules have a different mindset about the future and about money specifically. It is gained from and understanding of self, money, business, and people. Did you know that many people who take the time to study the habits of the rich often times end up being rich themselves?
The principles that rule prosperity and abundance do not discriminate. They do not care about your age, race, or religion. If you learn them and follow them, they will bless your life many times over.
IT'S NOT TOO LATE
This no time to sulk and feel sorry for yourself. It is time to take control of your life. It does matter if you have failed in the past. Many of world's most successful people are huge failures. Failing does not make you a failure. Are you too old? No. Are you in too much debt? No. Are you too young? No. Are all the good opportunities already taken? No. Do you have too little money? No.
You simply need to decide what you really want and start on a path to learn what you don't know. What you know and do has gotten you the results you have today.
The secret to your success and your future may just be in what you do not know. It is time to find out.
