Saving is one of the hardest things people must master. There

is so much pressure on today's lifestyle we tend to spend our future lifestyle today and worry about tomorrow. Procrastination is the most destructive human element we fight every day. Decide today to stop the procrastination!

The average savings rate has consistently been around 3 to 4% excluding times of trouble. Example, during Covid the savings rate went up to as high as 16% and has since dropped back to historic levels. Why don't people save more? That is the question. I believe they do not have a goal, dream, or agenda.

What are your options for using and making money? How is the money taxed and fees applied? These answers and the knowledge behind them will make a huge difference in your results. Listen up!

Losing money unknowingly and unnecessarily is what happens to most people. The loss is staggering and hard to figure out since the financial world keeps us in the dark. The news media also help this to happen by not telling us what is really going on.

When we realize the whole system is stacked against us we can and only then can we start to think differently and get different results. The 100-person story of 45 years ago still stands today. How sad that people haven't figured out the advice we typically receive is meant to keep us poor and broke.

If we don't pay attention to what is going on around us we tend to lose sight of the decisions we have to make. Having wrong information leads us to the wrong premise. Listen to Tom's 30,000 ft view and see if he can save you from disaster.

The wave of Digital currency is soon to be upon us. How will we handle no cash society. First, change of thinking is required. Thinking the same old way only puts us at more risk financially. Remember the USDEBTCLOCK .com the people giving you advice have no sense of reality with Trillion-dollar deficits every year and a Trillion dollars a month increase in unfunded liability.

This is how the financial world makes money on us. The get us to turn all our money over to them and convince us that compound interest will set us free. What a LIE this is and we believe it. They do not put the money at interest and make a profit of higher interest rates, they put the money in motion. We are not taught how to put money in Motion, Velocity of Money!

Financial success is measured traditionally by the amount of assets you have accumulated. The true measurement is in cash flow. The cash flow allows the purchase of the assets. So, the question is why don't we pay more attention to the cash flow?

The first thing we must realize is the advice we receive is most likely tainted and would not be in our best interest. Following advice from those who have positioned America in a losing battle for fiscal responsibility. Our politicians set the tone by the way they handle money (our Money) they collect through taxes.