FOREWORDThe core concept is not just saving money, but saving time
and energy as well. These savings are multiplied together, giving
you more money to invest. To summarize, I created the equation: $ET
= M2 to INVEST, in which saving Money, Energy, and Time ($ET) are
multiplied to generate (=) More Money (M2) to INVEST. This equation
is fundamental to your success You must be prepared to take action
to start having enough money to accomplish your goals, to stop
living paycheck to paycheck, and to retire early. If you are on
course to make the same income as last year or, worse, facing
declining take-home pay because of ever-increasing taxes, medical
costs and declining economy, don't give up Saving money, energy,
and time will generate more money to invest-creating real income
and wealth. Transforming you from consumer to producer You must
expand yourself personally as well as enhance your inner and micro
economics. Rather than growing a mega-company's revenue or the
financial fortitude of millionaires' pockets, you are going to grow
your own individual savings account, retirement plan, and
children's college funds. This book is a guide to help you create a
path and roadmap to a life of saving money, reducing debt, living
efficiently, and creating wealth by investing within a reasonable
timeframe.Together we will examine four major building blocks that
inspire and accelerate behavioral changes: 1.Why and how to change
your behavior and lifestyle.2.How to save money, energy, and
time.3.How to invest your money, energy, and time savings to
improve your present situation and build for the future.4.How to
create and implement a transformation plan.Progressive ideas and
hilarious cheap strategies are also detailed. These are necessary
to exceed your personal and financial goals. I want you to be
thrilled about life, saving money for a brighter future, and early
retirement, while having fun at the same time. You may become
frustrated when your dreams seem unattainable, but there are
transformation plans that can be implemented within days, weeks,
and years. In the pages that follow, you will find transformation
plans with instructions on how to complete them. If you follow
these guidelines, your transformation from consumer to producer
will start or be accelerated today. You might find that the
strategies and behavioral changes described herein require a
paradigm shift-but change is a good thing Expect to Win If we are
to get anywhere beyond where we are today in any facet of life, we
cannot stop dreaming; we cannot give up. Opportunities are
everywhere Live with thoughts of abundance and expect each day to
be wonderful, perfect, and full of promise Always start off
thinking positively, with a smile. The plan is to take action, and
"Better Sooner Than Later," so let's begin....Where do you want to
be in four weeks, three months, or five years?"Darryl Wortham has
written a comprehensive and easily readable how-to that goes much
further than the trite, formulaic self-help books of the past two
decades. Forged from personal and professional experience and
filled with simple, practical and achievable exercises, it is a
timely must-read for anyone and everyone who wants to live well and
retire comfortably."Joe Fortine(Director, Alumni Relations, New
York Institute of Technology)
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