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      02-25-2019, 09:27 PM   #24
c1pher
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Quote:
Originally Posted by Rmtt View Post
Once you are my age (if your younger), and the kids are out of the house (if you have kids).....money seems to be more abundant.

But if I am being blunt about it....I grew up dirt poor. Lived in Govt. Assisted housing most of my life in the worst places in my area.

Lit a fire under my ass that I wasn't going to live like that. Started working as early as I could, paid my way through my first degree, then lucked up and got a job that paid my second degree which was completed while I worked full time with a family.

Started saving for retirement early, and mainly focused on paying off debt as I hate to owe anyone. Never even had a personal credit card although I do have a company card for expense type stuff.

Lived well below my means for years. Any raises went back into my retirement fund or other investments such as land. We currently budget our household on what we were making 15+ years ago. Only one bill left and that is a mortgage, and it's almost gone.

But I will be having another one soon as my wife does want to buy another house. But I have set a price range for her if we do that.

You just have to believe that you can get to where you want in life, define how you plan to do it, and then put it in action. And believe in it. Reinforce it daily. And don't be scared to try something new.

Years ago I would have never thought I would be in the position that I am in until one day I decided that the only way to break the cycle was to change myself and my way of thinking.
I started with nothing too, my kids are out of the house, just my level of success does not reach yours.