Everyone wants the quick hit. Look at Wall Street. Traders want to score big and avoid having long term investment. Main street wants to hit the lottery. The questions are always about “How can I double my money?”

I hate to bust your bubble. The most likely way to grow actual wealth is to establish patterns of steady savings.

Develop your own plan. Sit down with your significant other. Go over your bills. Go over what you spent in the last three months.

Review ways you can save more money (see our “1% Savings Plan” at or in previous blog entries to find out how to boost savings on any income).

People always like to focus on “How.”

How much money am I saving? How much does not matter as much as what percentage of each paycheck am I saving? Know this answer and work to increase it to become wealthy.

How much money do you make? Who cares what you make? This is not a value question. It’s how much you KEEP that determines value. It’s how much you put to work FOR YOU with each paycheck.

How much are you investing? Once you have your emergency savings (see below), you should work toward investing 10 – 15% of your pay or more each month.

Forget how much. Focus on percentages and work to increase percentages that you save and invest on a regular and steady basis. This is the real key to building wealth over time.

Once you have built a proper emergency savings fund (15 to 18 months of expenses in money market savings or certificates of deposit), simply begin steady investment in assets that grow themselves (dividend stocks of stable Blue Chip companies come to mind – AFTER you have your emergency savings).

Your family can meet on saving and investing. It will be good for the family and good for their future.

All you have to do is determine that you want to begin. Then, don’t stop. Get hungry for building your goals.

You’ll get going faster than you think.


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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