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debtI’ve counseled with several couples and individuals about their financial picture. For some, their picture is more like a microdot! Bad choices in the past are having the ill effects in their current situation, and they can’t even begin to think of their future.

I just went home for lunch and happened to turn on the TV to check out the local news while home. There, on the local news program, was a financial guy saying what I’ve said for years and what Dave Ramsey has said for decades about dealing with debt. Start with the smaller ones and attack them with a vengeance, then use that payment to attack the next debt and so on until you’re debt free!

Most of the people I‘ve talked with don’t have anything in savings, nor are they putting anything away for their retirement. That’s NOT a good plan. They’re not even thinking about their future needs, let alone their wants.

A while back now, my wife and I took a cruise to Alaska. Are we rich? Do we have wealthy parents? NO to both questions. Here’s what we did – we saved up for it and paid as we had the money. Then we saved a bit more and took cash on the trip. Imagine that.

Start today, begin putting some of your hard-earned money to work for you. Even if it’s what you would say is a small amount – it can build over time. And if it’s in an interest-bearing account, it will grow even faster.

So don’t think it’s too late or you’re too old. You can begin saving for that “rainy day” or that “bucket list item” today! So don’t give up, start. You’ll be glad you did.