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Few people understand the power of hard work plus saving. They do not understand the potential for anyone to achieve financial success and independence from the compounding power of hard work plus maximizing your savings. By incorporating both into your financial plans, you magically compound your ability to achieve financial success!

Consumer Credit Debt currently stands at a record $2.35 trillion, which does not include mortgages and other loans secured by property. Americans are saving less/spending more and accumulating enormous amounts of debt to finance their spending habits!
Source: Associated Press, September 9, 2006


Many people think hard work, or having a good paying job will make you successful. It does not! It will only make you sore and disgruntled if you never save a portion of your earnings. Work by itself earns money, but saving is what allows you to achieve financial success.

Money earned from work must be saved, and not spent foolishly. If it is spent, than the extra work did not move you closer to success. If the extra money earned from extra work is spent frivolously, then nothing was accomplished. By saving extra income, you will be advancing towards financial success. Work is the key to making money, but saving is the key to success.



Working hard will earn you money. Working harder will earn you more money. It does not matter how hard you work and how much you earn, unless you save it. You may be able to afford new clothes, or get a newer car, or eat at classy restaurants, but you are not getting ahead in relationship to success. “Hard work is the best investment a man can make,” Charles M. Schwab, an American steel manufacturer, stated inspirationally in 1931. Hard work needs to be a part of your plan to achieving success. Working hard helps you get ahead; it is a very wise investment of your time, but you need to save hard also. You need to be saving a considerable portion (20, 30 or even 40%) of your hard-earned income.

In order to save money you need to earn money. The harder you work, the more money you can earn, the more you can save and the more imminent success becomes. It works in that sequence. Scramble it out of order and it leaves you with nothing. Work in itself will not make you a success, but working harder to earn more money, to save more money will. The only place where success comes before work is in the dictionary.

Working in itself can not possibly make you more successful; it will only earn you money. Working harder and smarter, being frugal with your money, maximizing your savings and investing wisely will generate success, financial stabililty and contentment.

Saving and work must be brought together for success. Work harder and smarter to earn more money. After more money is earned you will be able to save more money. With more money saved, you will be able to reap the benefits of success through saving much sooner. Invest in yourself to use your time and effort to increase the knowledge you have of your career. Work wholeheartedly and ingeniously to prove to your boss you go the extra mile and deserve the raise. Or foster the idea of creating your own business, or even a side-business to generate an additional income stream. By saving and working smarter and harder, you will be able to reach success.



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