Personal Bank Reform

Life taking charge has a lot of competing priorities. What is it the insurance company says? Life comes at you fast.

Sometimes the most critical thing you can do for your family is to slow life down. That means building your life in steps – no matter where you are right now. If you are just starting out as a young adult, you are in great shape to develop a strategy to build savings first and then begin to build assets that will help you literally propel wealth for yourself and your family. If you are older, it is also a great time to build these steps that will help you grow your savings and put your family in a more secure position for the future.

Since life comes at you “fast,” the best way to overcome the individual issues that happen to you in your personal life is to establish some patterns that will create a buffer or safety net over time.


We believe the single greatest way you can do this is to establish a steady and regular savings plan. You can build your own or find one that you like, but regular and steady savings will prepare you for the two things we say will happen to everyone on Earth: Good things and bad things.

When good things happen to you, you should increase your savings. When bad things happen to you, you will have a safety net for your family.

We absolutely believe the best way to encourage yourself and your family to save and invest is to develop the plan together. If you do it together, you will help your children have a more secure life over the long-haul.

Do you have enough savings for when bad things happen to your family?

Keep in mind that things constantly change over time. In 2010, we believe the proper emergency savings fund is 15 to 18 months of expenses in savings (money market savings and certificates of deposit). If you work toward this, you will find it comes easier than you think, but you must have a plan.

Are you ready?


You can utilize our “1% Savings Plan” if you like. This is where you multiply your after tax income (in your very next paycheck) by .01. Take that money to savings. Get it OUT of checking (we believe that checking accounts are money laundering accounts for OTHER PEOPLE’s MONEY). Each paycheck after that, add another .01 to the multiple until you reach .15. This is a way to begin to “pay yourself first” without killing your lifestyle. For more on this and additional ways to save money regularly, go to our website at or just keep checking back with this blog! We like to help other families and encourage them to include their children in the planning and execution of their own plan to save and build wealth.


If you think I was born saving money, you are wrong. My own family didn’t believe in saving. They don’t believe in having a 401k. They have had “emergencies” all their lives. These emergencies always get in the way of saving money regularly. 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. My parents thought they were shielding me from the realities of bills and worry. In fact, they were isolating me. I learned nothing until I had made many of the mistakes they made. 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”
“The Money Store”
All on Facebook – join. It’s free.


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