Financial education is not taught in schools, although doing so would enable millions of Americans to become wealthier and live better. Regardless of prior education, many Americans enter the workforce clueless as to how to make their money work for them, or even knowing that it’s possible. This site that I have created is intended to do just that.

Where do we actually learn about how to spend, save, or invest money? It seems that Americans learn about finances in bits and pieces from a variety of sources, never getting the full story. In this article from the New York Times, the author states that “Adults avoid talking to youngsters about budgeting, saving and giving to charity in much the same way that they recoil from advising them about sex”. Money is another of the forbidden subjects that usually is not talked about.

You do not have to have any prior financial or economic knowledge to begin making good decisions about your own finances; you only have to be willing to learn, and invest a little time in learning. The more time that you invest, the more you will learn, and the greater the rewards will be. You will not immediately become an expert, begin generating thousands of dollars, and quit your job next month, but you might begin investing for your future, be able to take more vacations, and retire early. Who would turn that down?

In my opinion, money or riches should never be your only motivator. Money is only a means by which you can do what you want in your life. For many that may mean never going to work again, for others that may mean traveling to far ends of the earth or giving to charities they believe in. Whatever your goals or dreams are, you have to begin working towards them (instead of against them) if you want to ever achieve them.

There are many ways to begin working towards increasing your personal wealth starting today. There is a wealth of information out there, the key is having patience and taking time to learn and to what it takes to grow your wealth. You can start with whatever you have, even very little, and begin to grow.

There are so many investment opportunities out there that to some, it might seem overwhelming. This is no reason to leave your paycheck in your checking account earning less than 0.5%, or even cash. According to the U.S. Bureau of Labor Statistics (http://www.bls.gov) at the time of this writing, inflation is estimated to be 4.3%. This means that by doing nothing with your money, your net worth is actually shrinking at a rate of 4.25%!

Currently we are living in very uncertain times. Receiving a pension from your former employer is now unheard of (unless you’ve been grandfathered into such a plan) and many people feel that they cannot depend on Social Security being there for them either when they retire. Whether you are about to retire, or just entering the workforce, planning for your future is extremely important if you care about how you want to live in your retirement.