Become the Millionaire Next Door

​Setting goals is the first step in turning the invisible into the visible.
Tony Robbins


It is always gratifying to receive a reply from a fan club member of Positive Pops. The following is the comment from one of them on the subject from my posting on telomeres:
 
 “Since this is the official 100th posting, I am using my full first name.
OK…Now I need to be aware of my ‘telomeres’… this is why you don’t age. Jes you are always learning about new stuff that now seems important to know about. I guess I’m going to read this book. I wonder if I can place it on my head as I sleep. I need to find other ways to get this into my brain. I so appreciate your blogs. Thank You for sharing so much of yourself with me (and all of the other 2000 readers)!!!”
 
What has happened in his life is a success story that should offer everyone following my blog encouragement, especially those who are implementing a few of the tools I suggest from my tool box.
 
The four tools that he has used for many years to reach his million dollar goal are posting on his Dream Board, Implementing a Prosperity Budget, Establishing a Retirement Plan, and Goal Setting.
 
This person knocked on our door at the age of 18 and said our parish priest told him we had a spiritually group that he may interested in joining.
He joined the group and never missed a meeting. He eventually became friends with our whole family.
 
His first job was in the construction industry making a minimum wage.
I told him about my prosperity budget, that I started with an envelope system and progressed to a excel spread sheet. I also suggested that he begin putting aside a small amount to start a savings account and eventually invest in equities. He immediately started saving small amounts of money and followed through using this approach to saving throughout his career.
 
A few weeks ago he called to let me know that he had a meeting with his financial planner as he is determined to at least have the option to retire in 8 years. He was told that his investments will surpass a million dollars even if he did not make any additional contributions to his account. Needless to say he is ecstatic and so am I.
 
Many people read books that excite and motivate them to budget and save. It is not always easy to stick to a new discipline so they derail their future success by giving up. Remember it takes 90 days from the start of a new discipline to make it a habit or enable it to have a very strong start in becoming a way of life.
 
As we are approach the holiday season it may be a good time to think in advance for Christmas of 2018. Now is the time to have a Christmas budget item as a line entry in your prosperity budget. This will relieve the pressure and make your holidays much more joy filled. This is also a great time to review your prosperity budget so that you can increase your savings that you put into your tax saving retirement account. Any increase in savings of pre-tax dollars will also reduce your tax burden.