By Craig Erwin, Ph.D.
I usually keep cars and phones until they no longer work, but my friends have to have the newest phones and cars, so they buy new ones each year. Suze Orman, a famous financial advisor, says buying a new phone each year and a cup of coffee each day can make us broke. The opportunity cost stings. Investing the $3.50 daily coffee expense could amount to $106,000 in 30 years. And that’s just for the coffee. If you upgrade your iPhone every year, it will end up costing you about $12 per month. If instead of buying new iPhones, you saved those $12 per month and invested them in a retirement account, in 30 years you could have about $25,161. Got it? If you save a little here and a little there, and invest it for decades, you may end up with a lot of money. We deserve to be spoiled, but we can do it without spoiling our retirement. Saving for retirement is simple. Cut your expenses where possible, invest the money you save, and keep doing it for decades. As you see, you can accumulate over $100,000 in 30 years just by saving pocket change. Imagine how much more you can accumulate if you save and invest real money over decades, say 10% of your paycheck. If you do that, you won’t have to worry about money after you retire – you’ll be on easy street.
Do you have habits that enable you to save money? Are you confident that you will accumulate enough to retire? Do you buy new phones, cars, or other devices when a new model is released?
For more information on saving, investing, retirement, and building wealth, click on the links below:
Admiring the persistence you put into your website and detailed information you present.
It’s great to come across a blog every once in a while that isn’t the same unwanted rehashed information. Great read!
I’ve saved your site and I’m including your RSS feeds
to my Google account.
At this time it looks like Drupal is the preferred blogging platform out there right now.
(from what I’ve read) Is that what you’re using on your blog?
Thanks to my father who informed me concerning this webpage, this
weblog is really amazing.
Hello just wanted to give you a quick heads up and let you know a
few of the images aren’t loading correctly. I’m not sure why but I
think its a linking issue. I’ve tried it in two
different internet browsers and both show the same results.
An intriguing discussion is definitely worth comment.
I think that you should publish more on this
issue, it might not be a taboo matter but typically people do not talk about such topics.
To the next! Kind regards!!
is cialis time released? cialis pills cialis generic online
cialis and dapoxetine tabs in usa buy tadalafil viagra vs cialis which is better
cialis next day delivery best price for daily cialis price comparison cialis
canadian pharmacy no prescription generic cialis tadalafil 20mg best price cheap cialis super active
pharmacy online cialis buy tadalafil generic cialis soft tabs 20mg
cialis with dapoxetine without prescription mastercard price of cialis 20 mg cialis c800
viagra cost per pill sildenafil 100 mg when will viagra be generic
best over the counter viagra sildenafil 20 mg viagra from india
what worms does ivermectin kill ivermectin for cancer in humans stromectol for sale
stromectol for sale stromectol for humans for sale stromectol for sale
stromectol for sale ivermectin solubility ivermectin 5 mg price
stromectol for humans for sale stromectol for humans for sale prescribing stromectol
cialis pharmacy tadalafil best price 20 mg cialis pharmacy
stromectol 12 mg tablets ivermectin without a doctor prescription prescribing stromectol
cialis generic tadalafil 20mg india best price for daily cialis
buy clomid 50mg buy clomid buy clomid
online purchase of tadalafil in india cialis tadalafil 20 mg buy online
sildenafil citrate tablets 100 mg sildenafil citrate tablets 100 mg viagra where to buy
buying from canadian online pharmacies reputable canadian mail order pharmacies pharmacy without dr prescriptions
online ed medications ed meds ed drug prices
stromectol for sale buy stromectol online stromectol pills for humans
It’s amazing in support of me to have a website,
which is good for my knowledge. thanks admin
generic drugs without doctor’s prescription india pharmacy mail order india pharmacy mail order
ivermectin toxicity ivermectin 3mg dosage for scabies stromectol cream
medicine for impotence compare ed drugs cures for ed
canadian drugstore online п»їed drugs online from canada pet meds without vet prescription
how to inject ivermectin in a dog ivermectin for hookworms in humans buy oral ivermectin
best ed medication male ed drugs medicine erectile dysfunction
buy prescription drugs non prescription erection pills ed meds online without doctor prescription
I know this if off topic but I’m looking into starting
my own weblog and was curious what all is required to
get setup? I’m assuming having a blog like yours would cost a pretty penny?
I’m not very internet savvy so I’m not 100% sure.
Any recommendations or advice would be greatly appreciated.
Thank you
new ed pills best ed medications pills for ed
ivermectin prices ivermectin india stromectol tablets
Hey! This is my 1st comment here so I just wanted to give a
quick shout out and say I truly enjoy reading through
your blog posts. Can you recommend any other blogs/websites/forums that deal with the same
subjects? Thank you!
cialis efectos secundarios real cialis on line ordering cialis no prescription
ed supplements ed trial pack ed symptoms
does cialis make you harder buy original cialis 10 mg prolonged effects of cialis
buy stromectol ivermectin scabies buy online ivermectin toxicity
help with ed buy medications online erectile dysfunction natural remedies
generic cialis online australia cialis sams club cialis
[url=http://cheapdrugs.store/#]natural ed treatments[/url]
Saved as a favorite, I love your blog!
What’s up Dear, are you truly visiting this web page on a
regular basis, if so after that you will definitely get pleasant knowledge.
Howdy! Do you know if they make any plugins to safeguard against hackers?
I’m kinda paranoid about losing everything I’ve worked hard on. Any
suggestions?
Hello! Do you know if they make any plugins to protect against hackers?
I’m kinda paranoid about losing everything I’ve worked hard
on. Any tips?
I loved as much as you will receive carried out right here.
The sketch is tasteful, your authored material stylish.
nonetheless, you command get got an impatience over that you wish be delivering the following.
unwell unquestionably come more formerly again as exactly the same nearly very
often inside case you shield this hike.
Hi there it’s me, I am also visiting this web page regularly, this website is actually
good and the viewers are truly sharing nice
thoughts.
I’m gone to inform my little brother, that he should also pay
a quick visit this web site on regular basis to take updated from most recent news.
Link exchange is nothing else however it is simply placing the other person’s webpage link on your page
at suitable place and other person will also do same in favor of you.
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several emails with the
same comment. Is there any way you can remove people from that service?
Bless you!
What’s up, yup this paragraph is really nice and I have learned
lot of things from it regarding blogging. thanks.
Appreciating the dedication you put into your
site and detailed information you provide. It’s
awesome to come across a blog every once in a while that isn’t the
same unwanted rehashed material. Excellent read!
I’ve saved your site and I’m adding your RSS feeds to my Google account.
cash advance loans cash advance cash advance