Money Is The Root Of All…
Skip The Debt Habit
by
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In the beginning there was the piggy bank. Into the fat piggy's belly fell the change others bestowed upon you long before you even knew money was required for the things Mom and Dad made sure you never went without.
One day the ice cream truck was jingling in the distance, the sound growing richer with each passing moment as it crept slowly down your street headed on a direct pass-by of your front door. What to do? An ice cream truck must not pass the house without your having the double chocolate waffle sundae cone, the one you take the paper top from and peel back the wrapper as you eat down through the fudge and nuts on top into the ice cream perfectly formed in the ascending shape of the cone filling the wrapper another two inches higher than the cone.
Ding-a-ling goes the ice cream truck as it approaches your step. The ringing is louder, demanding. You have to respond, have to run out and stop the ice cream truck. Only there is that one small problem. There is no one home to give you money for the sundae cone.
And right then, the ding-a-ling of the ice cream truck sets off the ding-ding-ding in your young brain and you remember the piggy bank on the top shelf over the desk in your room into which all your life savings have been deposited for as long as you remember.
In the blink of an eye you race to your room, climb up on the straight back wooden chair, reach for the top shelf and just manage to get your fingers around one chubby leg of the pig. With a pull it comes off the shelf in a tumble and in your surprise at its weight it keeps on coming, keeps on tumbling on a collision course with the desk top, cracks it’s china head on the edge of your desk exploding into a thousand pieces sending a shower of coins across the desktop, onto the chair on which you stand and across the floor in a scattering clatter.
Right then, at that moment, your financial life became the disaster it has remained.
Today your finances are splashed across a disarray of credit card debt, overdrawn bank accounts, upside down car loans, unpaid student loans, late mortgage payments and overdue utility bills. You pay usurious interest rates, excessive late fees, over limit fees, unending returned item fees, and PMI.
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About the Book
This book is for teens and college age individuals to learn how to stay out, or get out, of financial trouble, live within their means and build a solid financial future.
Learn strong money habits early and skip the debt habit typically created in the first years of financial (ir)responsibility. Avoid early debt creation by avoiding credit cards and car loans while you learn to spend and save wisely. Create real capital wealth when you learn to save early and grow your savings to income generating wealth.
Remove the stress of money from your life, and add the tool of money to your financial arsenal.
About the Author
Richard Valentine Reily grew up a ninth generation Washingtonian, the fourth of ten siblings, in affluent Chevy Chase and maturated in the high mountains of the West and
He is widely traveled and learned the principals in this book after reaching the understanding that he could not live at his father’s standard of living on his low wage first job. After years of counseling others on the simple ideas of eliminating debt through spending control and creating wealth through simple methodical saving, this book details easy concepts and processes that when followed yield a stress free detachment from money.
When not traveling, he lives in