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1 cor 3:16 ..you are God’s temple...Everything belongs to you, ... and you belong to Christ, and Christ belongs to God.

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Retirement - What a Concept!

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You just got that first new job.  It’s a great life, new house, new car, new baby, schools, food prices rise, gas shortage, all prices rise, taxes up.  The month is too long for the money!  Utilities rates on the rise, more babies, clothes to purchase, car repair, uhoh, need a new car again!!!



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Note: The month is too long for the money!

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Yeah, but who can get 7% or has an extra $320 every month????


Maybe you've been living paycheck to paycheck, and life has been good. You've got a nice house, a fancy car -- but no savings.

In short, you have a big hat, but no cattle. The millionaire is next door, and he isn't knocking.

This is your moment of truth. You may not become a millionaire, but you can live like someone who is on the way to being one.

Here's how: Cut expenses, save what you can, and work longer.

"If a client is in their mid-50s and hugely behind, we start to focus on lowering expenses by paying off debt, restructuring debt, or lowering housing costs," said Guyton, the Minneapolis financial adviser.

"If that change lowers their expenses by $1,000 a month, that's more beneficial than helping them accumulate an extra $100,000," Guyton said. Indeed, cutting $12,000 a year from expenses equates to what roughly $175,000 in assets would produce at a 7% yield.

And take care of your health, Guyton added. You're going to need it in order to show up at work.

 "It's a whole different matter when you have to stay on the treadmill," Guyton said. "We don't mince words. We try to make it manageable and realistic, but there are some options that aren't on the table anymore."

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