In this episode, Teresa and Rick talk about how our culture of consumerism and keeping up with the Jones's has been costly. The American culture has evolved into a culture in which we over-consume and we don't focus on saving money. We now have opportunities to build real wealth by investing more wisely, and by spending far less than we earn. The 100-Year Savings solution is a counter-culture idea that helps people live a great life AND have the ability to create real wealth. The first step is to develop and be OK with, a counter-culture mindset. Reorganize your finances to be sure that each time you get paid, at least 20% of your savings is going into a long-term, low-risk investment product.