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6 Steps to Retain More of Your Life Earnings
Do you want to earn more than a million dollars during your lifetime? According to the US Census Bureau Report, you can if you complete high school and work for 40 years. During the same lifetime, you can increase your earnings over $4 million, which is more than three times the amount earned with just a high school diploma, completing a professional degree. In our society, these statistics reveal a unique relationship between education and training and growth in personal income. Although not expressed in the above statistics, any related educational and training opportunities whether offered on the job, in special seminars, in workshops and during apprenticeships that expand knowledge, develop new skills and increase productivity are related to increases in personal income.
I’m sure you know many great success stories of individuals who beat the averages by earning larger sums of money in a much shorter period of time than 40 years. I met with a businessman to introduce some financial products that will allow him to expand and improve his business. He quickly informed me that he never had a loan. He proudly shared with me that he is debt free and currently the owner of a personal residence, rental apartments, barbershops and Bar-BQ restaurants. His business transactions are all cash when buying and selling assets. His model for business expansion or entering a new business is to first buy the necessary equipment and installation for the business enterprise, and then open the business without debt. He firmly stated that “a person who needs a loan to start a business does not need to be in business!”
Many may disagree with this business philosophy and speculate that he could have possibly generated more income and amassed greater wealth using the concept of leverage, but this business man defined his success. He owns debt-free cash generating assets that exceed a million dollars in value, and has cash set aside for each of his children in the event they decide to travel an entrepreneurial path. This gentleman is in his early sixties, does not have a high school diploma, and cannot read or write.
Bill Gates dropped out of Harvard University in his junior year to pursue his vision, and became a multi-billionaire in less than 40 years. I am truly impressed by each of these stories and many others that do inspire many of us in several areas of our lives. Likewise, I am uniquely impressed with the US Census Data that suggests that in this society the masses can also achieve an impressive financial milestone. So, whether you fit the profile of the aforementioned traders or are representative of the US Census Data, the wisdom is that being prepared, and having the right attitude and courage to act, allows the greatest opportunity to fully develop your earning potential when opportunities arise. . present
Now, just as you expect to have increasing earnings during a lifetime working period, you also want to be very aware of how to prevent erosion of your earnings, any reduction in your accumulations and lowering of your standard of living resulting in less money to buy the family home, bring up the children , take family vacations and plan for retirement.
So, any amount of money earned over a lifetime, you need to be aware of how to spend and manage it wisely to achieve and maintain a high standard of living. Recognizing that each personal situation varies and may require a different focus of attention, there are six areas where some degree of effort must be made to maintain earnings and allow for future growth.
First, poor health, practicing high-risk behaviors and neglecting known preventive health and medical advice increase the incidence of disease, deplete personal finances and reduce income. Based on data from the California Health Interview Survey that was collected during a period of economic growth (2007) nearly one in 13 Californians had some type of medical debt, and that those with debt were twice as likely as those without debt to report delays in getting needed medical care The cost of medical care has threatened the finances of many families, and has become one of the most common causes of personal bankruptcy in our country.
Being physically active, having a nutrient-rich diet and reducing calorie intake, avoiding tobacco and alcohol, adapting appropriately to stress, wearing seat belts and practicing appropriate infection prevention and control procedures are good health habits that will reduce personal risk. for chronic conditions such as heart disease, hypertension, diabetes, obesity, accident and injury, and infectious disease. These conditions can create a big hole in your finances and drain your life earnings. Good personal health habits can reduce the risk of these acute and chronic conditions, and offer effective prevention or control of disease, if present.
Why not practice good health habits, and start as early as possible?
Second, failure to take advantage of educational and training opportunities can leave you unprepared when opportunity strikes. Consequently, the opportunity for increased income, a promotion or move to a higher level, a new job or a new business opportunity, is missed. As the cost of goods and services often increases at rates exceeding the income of many households, it is essential that you remain vigilant and be ready when the opportunity presents itself that will improve your income, lifestyle or standard of living.
You can be prepared for changes that occur in the market by taking a course, seeking additional training and daring to explore new opportunities for advancement. To our surprise, the cost of living increases often do not keep up with the cost of goods and services. You may need to adjust by looking for promotions, new career opportunities, acquiring new skills and creating multiple incomes that are now emerging as a smart strategy in the 21st century.
Third, you pay too much interest on expensive personal loans and mortgages. Banks are very efficient at making money fast after encouraging consumers to make deposits and in return receive a small interest income. Banks are aggressive in investing these deposits to make money through loans and other financial instruments giving a substantially higher yield than the depositors receive as interest income. For short-term loans, interest rates can exceed 20%. Paying high interest on credit card debt lowers your effective or available cash for other family or personal needs. For a long-term loan of $200,000 with a fixed interest rate of 5.32%, a borrower will pay slightly more than the amount borrowed in interest-only payments over a 30-year period. (Total repayment of $400,714 with $200,714 of interest) The interest amount, being the cost of a loan, is a significant deduction from personal earnings even after tax adjustment. You, the borrower, must be aware of this significant cost and plan to reduce or offset this significant deduction from lifetime income.
Fourth, every person should pay their fair share of taxes and we should continue to fight for good tax legislation that helps uphold responsibilities as determined by the constitution. On the other hand, many pay unnecessary taxes due to a lack of knowledge about tax laws, and an innovative effort that allows one to take full advantage of tax incentives. The government uses tax incentives and allows tax deductions to stimulate or direct activity in certain areas of our society such as community service, national and international programs, starting a business, local development, locating in certain communities, providing job opportunities, charitable giving, and certain investment programs. In some of these areas, you can find that opportunity to cooperate with the government for your benefit and others.
Fifth, failing to establish legal entities such as corporations, trusts, retirement programs, asset gift and other deferral programs can result in loss of tax incentives, deductions, deferrals, additional income streams, and increased income. The Internet offers a great opportunity to start a business in the 21st century and paves the way for many home operations.
Sixth, inappropriate spending – our economy depends on two fundamentals: consumer confidence and consumer spending. During a recession, consumer spending is decreased compared to a growing economy where consumer spending is increased. Our available cash is used to cover expenses, and the rest, if any, is usually left in banks in checking and savings accounts, or other types of bank financial instruments.
A common understanding is that money used to cover expenses or purchases is considered a spending action, and money left behind or deposited in the bank and not used for expenses is considered savings. Conversely, your deposit or money in the bank is also an act of spending. You have purchased banking services consisting of control and maintenance of privileges, agreed access, capital security and modest interest income. As customers, we need to reorganize our thinking and view all spending of money, and resources including investments as an act of spending.
In an up or down economy, you, the consumer, need to focus on spending for value rather than impulse buying or spending, or simply accumulating money (savings) in bank accounts. Spending for value achieves efficiency, and engages self-responsibility by raising obvious reality-checking questions such as: Is it reasonable for me to spend this money now, Am I getting the best value for my dollar? Does this expense contribute to meeting my goal? Answering these questions is the beginning of control, and the first line of defense against overspending. A great lesson to learn is how to safely invest my available cash similar to banks by applying Irving Fisher’s (1930s) concept of “The Velocity of Money”.
These six areas, if taken care of, will allow you to retain more of your earnings, add additional growth earnings throughout your working life and help you support and maintain a healthy standard of living.
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