1 In 10 Americans Unemployed & You Should Be Careful

This holiday shopping season never go to any store without going on the internet and typing out the word “coupon” or “coupons” in their search menu. If you do, you are volunteering more of your money. More tips coming right up below.

1 in 10 Americans are out of work. By the way, another 17% or more of Americans are “underemployed.” That is slang for messed over and stiffed.

Do you still have your job?

Are you saving money?

The average American should be saving 20% of their after tax income. Most are not.

Negotiate on every single thing you purchase – I don’t care what it is. Consumers drive 70% of this economy. USE YOUR POWER.

Take the money you saved negotiating and move it from checking to an actual savings vehicle. If you don’t, you are not saving anything.

Remember: Your checking account is a money laundering account for other people’s money.

What you make is important, but it is not important in terms of your overall wealth-building process. Let me tell you what DOES matter: What percentage of your after tax income are you saving in EACH paycheck? That matters.

You know the formula: reduce and eliminate debt + save automatically.

How do you save when you have unexpected expenses? You must be committed. That means walking when you can’t get a retailer to negotiate. If they don’t do coupons, you have the right to walk, too.

Look for opportunities to have a scaled back ($) Christmas….but a more meaningful Christmas. Save the money. Get gifts that really mean something, but purchase less.

You owe the economy NOTHING. We all hired Obama (and all politicians) for that. Your job is your FAMILY BUDGET and saving money. If you are not doing that today, you are sliding down a slippery slope. Don’t allow that to happen to your family.

Take charge! You can do this!


In this country we don’t do enough to teach our children about money, managing money, saving regularly (and automatically), compound interest and steady investing for a long-term future. As a parent, we are always concerned that they get a good education and go to a good college so they can make a lot of money or have a valued career path. The truth is that we could do our children the biggest favor and one of the best things by sharing with them sound saving and investing principles.

You can join our free Facebook group (or have your children do it, too) by searching in the Facebook bar on your “wall” for “Live The Lifestyle Your Family Deserves.” Click on “become a fan.” It’s free and it ties our free blogs into that group.

If you want to give your children the same information we are giving ours, you can purchase the only thing we sell on any of our blogs or groups. It’s called “How To Survive Any Financial Crisis” and you can get it for only $4.95 at http://www.middleclassmoney.com.

Thank you for reading our blog and good luck!

Loyd Ford


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