Grow Money The Way Your Grandparents Did

Life comes at you fast. Isn’t that what they say in those insurance ads? If you have been living on this planet for awhile as an adult, you know that is very true.

Good things and bad things happen to everyone. The trouble is…..we tend to hope bad things won’t happen to us and plan for a future where things only go well. Can you see the potential for failure in that?

What if you redialed your life for realism?

If you don’t have emergency savings today, you are in trouble. The main question is how to seriously begin and achieve an emergency savings when you can’t see a path to putting aside enough money for real emergency savings.

How much do you need in savings? And how can you get there?

We recommend that you seriously build an emergency savings that includes 15 to 18 months of expenses in money market savings and certificates of deposit. That is because of the economic cycle we are in today. It’s not 1984 anymore. When you seriously look at unemployment, the number of people in our country who work for even decades and then find themselves unemployed for a year or two or three years without being able to replace their incomes, it is easy to understand why we are not recommending you build 3 to 6 months of expenses into your emergency savings fund. This is the 21st Century. Things happen here that your parents didn’t face.

If you don’t have any savings for emergency, you may want to begin your plan to generate this savings for your family without killing your “lifestyle” by using our “1% Savings Plan. It works just like this:

The next time you receive a paycheck at work, take the after tax amount and multiply it by .01.

(Your After Tax Pay) X .01 = Y

Do this before you pay even the first bill or do anything else with this money.

Chances are you can afford to take 1% off the top of your paycheck and put it to savings without really missing it.

Then, the NEXT time you get paid, take your after tax pay and multiply it by .02.

(Your After Tax Pay) X .02 = Y

Then, the NEXT time you receive a paycheck, take your after tax pay and multiply it by .03.

(Your After Tax Pay) X .03 = Y

You will want to continue this process by increasing the multiple by .01 each time until you finally reach .20. This will allow you to build an emergency savings fund over time that will help you achieve the proper emergency savings faster than you ever thought possible without cramping your lifestyle all at once. And it works.


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. Our people have had “emergencies” all our lives. These emergencies always get in the way of saving money regularly, and our family is not different than millions of other good American families. 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 have had to learn from my own mistakes over time. 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 or allowing “it” to overwhelm you. 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”) associated with our mission!

It is our goal to encourage everyone to teach our children about money, managing money, and saving regularly (and automatically. Children should receive lessons about compound interest and steady investing for a long-term future before they face the hard choices of adult life while being subjected to the consequences of the high-speed marketing culture we live in. 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 by simply 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. You can get our free e-saver newsletter by signing up at

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

Good luck to you and your children.

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”
All on Facebook – join. It’s free.


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