People today want to be rich very much, but few have a plan for how to get there. Getting rich is all about steady growth. Anyone in America can get rich if they plan and work toward their goal day by day.
We all watch TV shows about the lives of celebrities. We see them driving nice cars and living in nice houses. They always look like they are on vacation. But maybe this is true for some people. These kinds of shows make you wish you were rich and could live like that. What you don't see is that companies, not the stars themselves, pay for a lot of the lifestyles shown. This is one of the perks they get for getting attention.
Most rich people in the United States don't live this way. Studies, on the other hand, show that most wealthy people have always lived below their means. They choose to save instead of spending. The problem is that no one pays attention to them until they are rich. At this point, their years of saving are starting to pay off, and they can start to spend some of the money. You could buy a nicer house or car. When this happens, people take note. To them, it's the end of a long-term plan, but to you, it looks like an overnight success.
Maybe you wouldn't feel this way if they had asked you to help them figure out their budget and plan their spending for the past fifteen years. See, you probably won't ever be rich unless you win the lottery or inherit a lot of money. If you only remember one thing from this article, remember this next sentence. You have to sneak up on wealth; it won't just come to you.
To get rich, you have to plan your moves years ahead. There is someone living near you right now who will become rich in the future. Both of you are in the same situation right now. But as time goes by, they will start to stand out. As we speak, they are already making plans for this day. They aren't always planning to get rich. They just want to feel good, but the plan is always the same.
Here's a case to show what I mean. People in the middle class in the U.S. have an average of $15,000 in credit card debt, and they make $65,000 a year. This amount of debt is equal to 23% of their annual income. This is 18% of what they are worth. When it comes to their net worth, wealthy Americans have less than 1 percent in credit card debt. This is such a huge difference.
People always say that the rich get richer and the poor get poorer. Well, adding more and more debt and interest that isn't needed in this way helps prove that this is true.
People say that government policies help the wealthy too much. Government policies can't make everyone rich, no matter how many there are. The hard truth is that you are the only person who can do that for you. Even though most people don't like it, it's the truth. I hate to say this, but it's true: to 99.9 percent of the world, it doesn't really matter if you get rich or not.
Now for some good news: it doesn't take long to see results once you start to plan, make a budget, and save. I don't mean being wealthy. I just mean being calm. As soon as you make this change, you'll see that your mortgage payment and other bills will be taken care of. Your budget will take care of that on its own. Just keep an eye on it and stay on it. In a few months, I won't have to worry about money any more.
After a few months, you have the most important thing money can give you: peace of mind.
I grew up seeing how my parents saved and spent their money. My Dad didn't have a job that paid very well, and my Mom couldn't work. Some of our close relatives made a lot more money than my dad, but my parents are just as financially stable as any of them now. Quite a bit. They had to plan and budget for years to get to this point, and that's something they still do.
I try to live like them now, and it's been a blessing.
