Overview

Are you maximizing your retirement savings and minimizing your out-of-pocket college expenses? Strategies like live below your means and never get into debts do not work anymore. 76% of Americans are living paycheck-to-paycheck. Why? Job income has only increased minimally over last 30-40 years. Today median income in the United State is $52,000 annually. What was your last pay raise? Inflation is about 3.3% annually, which means your food and housing cost go up 3.3% each year. If you're getting a pay raise of 1% or less each year, can you really live below your means? Never get into debts does not work either because Dave Ramsey's assuming all debts are bad. Many successful companies become successful because they're able to borrow money to expand their business. Take real estate, for example, most people cannot afford to buy a property, especially in Hawaii, with all cash. But banks and lenders make it possible for people with decent credit score to buy homes and real estate properties with borrowed money. True, you're spending money on interest, but your return is a lot greater. The financial solution to what families are facing today is not live below your means or never get into debts. Families should learn how money works and become smart investors, and create multiple streams of passive income through business ownership and investing. And this book will show you how.

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9781986991988

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