Money and Individuality

I think nearly everyone wants to achieve financial stability. I don’t think there is a person alive who prefers to be buried in debt, living paycheck to paycheck, and not having any money saved. Yet, many people find themselves in this dreadful situation.

With all the financial advice and planning techniques readily available, why is barely surviving the most common financial position in life with so many helpful resources available? Some experts say it is as simple of not being committed to doing the actions required to achieve financial stability.

I say it is more complicated than that. There is a problem with much of the financial advice and programs offered … they don’t fit you. It’s like you trying to get into a small size jacket when you require an extra large. The advice and the programs offered are not individualized to your specific:

  • Motivations
  • Goals (early retirement, a new house, etc.)
  • Life circumstances
  • Financial obligations
  • Reasons to get up every morning
  • Non-financial dreams

Is the lack of non-individualized advice and programs a reason you have not started doing what it takes to stop being buried in debt, living paycheck to paycheck, and not having any money saved?

Guess what? Only you can provide the motivation. Only you can put together a plan that fits you. No one else can to this for you. You are the one that must create the opportunity for financial stability and well-being.

There is, however, a central truth that is included in all plans to achieve financial stability and well-being:

  • You must spend less than you make and save the rest.

This is a great opportunity for you. You are in control. You get to put together the things you need to do to make it happen … based on what fits you. You have no one else to answer to other than yourself.

You can do this!

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Published by W. M. Brown

I am a retired U.S. expat living in Ecuador. I was a business owner for 32 years before retiring in 2012.

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