The Future Of Your Family Economy

Most people are worried about the day-to-day. Most don’t look at how things are changing in the United States and around the world. They are more concerned with how to get the kids to school on time and make sure they are taking care of the family.

However, taking care of your future and the future of your family is what this blog is all about, and this story of global change fits right in line with that discussion.

Shifts in manufacturing away from the U.S., the Chinese government has become the single largest holder of our debt around the world and countries like India and Brazil are experiencing the kind of growth the United States had from the 1940s – 1990s while the U.S. is slowing.

What does this mean in the new era where debt is a death sentence and cash reserves are king? It means that things are going to become more challenged. It means that headwinds are shifting and if you don’t prepare you will find things much more difficult than they are today.

Retirement age is going to shift upward, but where are the good jobs going to come from? More and more you are reading about people who had great paying jobs, lost them and couldn’t replace their incomes. They lost everything.

Other people have had great jobs, lost them and it has taken two (2) years to find a good paying job. Or worse – when they found work it was at half the pay they expected.

Meanwhile if you have a good job, chances are you are expected to do more for less. Productivity is up. Fear is up. However, you are stretched thinner and thinner while those at the top profit.

What about your family? What about your future?

Of course, you can prepare. You can create opportunity to sustain and get ahead in this economy. You can place yourself and your family in the path of securing a better future.

Imagine your job, your relationship with your boss, your family situation if you had 15 to 18 months of expenses in savings. You can do this. All it takes is regular savings with each paycheck.

You can’t get there, right? It’s too hard.

A lot of personal finance people say, “Pay yourself first.” Easier said than done, right? You can start with our “1% Savings Plan.” Have you heard this before? Let’s see.

Take your very next paycheck and multiply the after tax amount by .01. Take that amount and shift it out of checking to savings. The following paycheck, multiply your after tax pay by .02. Then, each paycheck after that you will increase the amount by an additional .01 until you reach .20.
Regular and steady savings is no longer an option. This is step one in your new plan to save your family.

You should have 15 to 18 months of expenses in emergency savings. It will strengthen your family, your options and give you better actual opportunity in the next ten plus years and more as our economy continues to shift and change.

We believe that there are three (3) keys to personal financial freedom for your family (and especially your children).

1. Regular and steady savings with a focus on increasing the amount you remove from checking and push to savings with each paycheck along with additional “saving” opportunities that will present themselves to you regularly if you continue to read this blog in future days.

2. Debt reduction (especially credit card debt). If you have not read our information on how to deal with credit card companies, we recommend that you dig back through our past blog entries or check out “How To Survive Any Financial Crisis” at

3. Regular purchasing of actual assets. We call this building “an asset train.” Trains go places; if you focus on purchasing true assets that generate slivers of value that add to the value of your holdings over time, you will be helping your family learn more about investing and you will potentially build wealth over time. Always do your research and if you don’t understand something….don’t do it.

Remember our favorite sayings: Checking accounts are money laundering accounts for other people’s money. Use any excuse to push money from checking to actual savings.

Credit card companies and merchants want you to believe credit is king. The opposite is true: Cash is the only king. We are no believers in chasing your credit score. While we don’t think you should forget about your credit score, we absolutely believe that marketing, merchants and the advertising world has pushed people to focus on credit too much. You are smarter to build assets and avoid debt as much as possible.

Get engaged in your own personal finance life. You can systematically build a plan that helps you build savings and eventually wealth. It only takes a little bit of time and a commitment to your family. You already have one of these.

As time goes by, those people with strong emergency savings, low or no debt and those who build assets will have a better life and more options. You can do this!


If you think I was born saving money, you are wrong. My family is filled with hillbillies from Louisiana. There are members of my family that don’t believe in 401ks or IRAs. I was not brought up to save and invest regularly and I have made every mistake you can think about when it comes to money. I have had to learn the absolute hard way how to get savings on track and make it a part of your life without killing your lifestyle. I have had to learn the hard way how companies mislead with marketing. It is my mission to share what I have learned about regularly saving with my own children and also share it with you. That’s why we have a lot of “free” (blogs like and and groups on Facebook like “Coupons & Coupon Codes”)!

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

Thank you for reading our blog and good luck!

Loyd Ford

Connect with us on Facebook with these free groups:
“Coupons & Coupon Codes”
“Live The Lifestyle Your Family Deserves”
“Saving Money”


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