Boost Wealth One Step At A Time

Water seeks its’ own level.

People do what they know.

Your opportunity to change the course of your family history in the future lies in your ability to commit to a strategy over time that will help you develop emergency savings first and then specific savings for wealth production.

Are you ready to commit?

No one else can help you do it. You have to make that decision on your own. You will determine when you actually sit down and review what you are spending. We recommend that you look at the last three (3) to six (6) months so you have an overview of where your money is going.

Everyone has leaks.

Fix them by using a strategy like major corporations use: reduce by percentage. We like to set a goal of reducing your payout each month by 12 – 15% when we do a review.

Look for ways to reduce your spending, but don’t cut everything out. In other words, you don’t want to kill your lifestyle. You want to plan to save more money regularly. The more you put specific non-emotional purpose into your planning and execution, the more success you are likely to have in boosting savings and then wealth.

If your company offers a 401k, you should be engaged. 401k plans are about 20 – 30 – 40 years. It’s not about the next five (5) years. Because of this, many people glaze over and just say, “forget about it.”

You should also contribute to a Roth IRA if you qualify. Again, don’t concentrate on dollar amounts. Concentrate on percentage of your income going into a Roth.

Look back at our past blog entries to find out how to use the “1% Savings Plan.” See how we recommend you venture into dealing with credit card companies and how you can grow steady and regular savings.

Get together with all family members and brainstorm on ways you can make money OUTSIDE OF YOUR DAY JOB and put 100% of this money toward INVESTING. Do your own research and find out how companies like T. Rowe Price, Vanguard and others can help you launch and keep a savings program going on a regular basis. You will be shocked how quickly your savings will JUMP.

Don’t forget to do your research.

You should have 15 to 18 months of expenses in money market savings and certificates of deposit. Yes, you can do this. You have to commit. You have to first say, “I can do this.” Then, do it one step at a time.


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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