The Future Of Your Money

When you are in your twenties, you don’t think about the future. Most people are adjusting to the freedom of being an adult and trying to figure out what they like about being on their own. By this time, your major marketing influence is from credit cards saying you can have it all.

It’s in your twenties and thirties that people start to get married and develop their own families. That’s when the responsibilities set in and you slowly begin to be like that lobster in the tank of warm water. Ahhhh. You don’t actually notice the rising debt and the difficulties you will see in a few short years.

If you are reading this and you are in your twenties, consider this a message from your future self: Develop your own savings program that includes a 401k if that is available to you, a Roth IRA and the continuous development of emergency savings.

The earlier you begin saving regularly, the better your life will become in terms of balanced financial security.

If you begin early saving 20% of your after tax income (paychecks) every time you get paid, you will not miss this money and it will help you to have freedom most people don’t have by the time you are in your “middle age.”

Start with our “1% Savings Plan” if you want. (You can check this out in previous blog entries or in “How To Survive Any Financial Crisis” at

Think about the head start you will have if you begin now.

You should develop an emergency savings fund that is appropriate for 2010: 15 to 18 months of expenses in money market savings and certificates of deposit. This will happen faster than you think if you focus on steady savings.

After you have your emergency savings, you should “focus your savings guns” on steady investment. We call this building the “asset train.” Assets – not credit – help you build wealth. When you see marketing for credit cards, think the opposite and you have the answer.

Cash is king. Your checking account is a money laundering account for other people’s money. Use any excuse to push money out of checking into savings. You’ll be glad you did over time. Checking accounts are leaky instruments.

If you are past your twenties and thirties, remember this: It is never – NEVER – too late to begin and develop a REGULAR savings program. If you already have kids, get them involved in your savings program. Brainstorm with them. Prepare them.

Start now.


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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