Many relationships include one Great Saver and one Big Spender…
This can involve some clashing mentalities.

Bride and groom picture-part from: money examiners

 Big Spenders like the feel-good nature of experiencing products, acquiring them (forgetting about them) and moving on to the next thing.  Price and purpose are momentary in thought, blind spots, easily forgettable in the slur of purchasing Nerdbucks coffees, and many unnecessary things in stores.

Most Big Spenders can be converted, but it takes a dose of the TRUTH – they have to see it, understand it, feel it, and finally they must know within their bones the reason for holding cash, instead of forking it over at impulse…

While many couples use the same bank account, the stress of different spending habits can be a real problem, especially if one person is trying to save money.  To Big Spenders, saving appears to require great discipline, though when goals align, usually two minds can start to see the same big picture…


and the Rich get richer…

We can talk about the crises in cash flow occurring in modern economics all day long — it’s a major issue and looming catastrophe in America today.  The banks own 63% of the country, and those banks have not only survived their own self-made recession, but that same recession cause a wake of corporate buyouts, and now just 5 banks own most of that 63% of all national wealth.

The entire Federal Reserve system was set up, piece by piece, over the years to give banks an insidious amount of leverageIn fact, did you know that a bank only needs to have 2% of the actual money necessary to fulfill their loans?  that means with $2 million dollars, a bank can write out $100 million dollars in loans, sit back, and collect mountains of interest payments forever.  If you can’t pay your mortgage, they seize the properties, capsizing even decades of payments, and sell those properties again.  The government actually helps banks do this, and our entire money system is based upon it.

squirrel-saga(image rights: Solent)

           Now that you are aware of that crisis (if you weren’t already), keep your eye out for monopoly-busting politicians and vote for them!  Right now Elizabeth Warren appears to have the first truly antagonist approach since Theodore Roosevelt who personally sued and broke up a dozen of the largest super-monopolies in the nation.

But let’s jump to a different track of the same topic, in regards to your own life how does the following phrase affect you?

The Rich Get Richer
And the Poor get Poorer…

PRINTER INK Cartridges = Cash Destruction

This post will save you A MOUNTAIN of cash!!!
We’re talking real, invest-able money…

Installing a CIS ink system on your inkjet printer could would end the need to buy severely overpriced cartridges.  By avoiding the purchase of just 2-8 cartridges a year, you could save $16,425 (2 refills) to $50,000 (8 refills) through a lifetime {using SAGA retirement fund math}.  Hard to believe, but the proof is in the pudding…


Installing CIS is very possible, a lot of people are doing it this very instant because they are, well, giving up laziness and abiding by sound logic…


We’ve talked about ALDI before, but to refresh, we said that by using ALDI as your primary grocer, and picking up the junk food (like chips and candy) at the DOLLAR STORE you could save 59% or more on your grocery bill starting right now.

Realistically, one man could live on $70 of food per month this way, if they just cook a few meals;  Compared to shopping at a premium grocer, which would cost $171 a month to feed the same person.  This means a single person could save $101 per month for retirement, just by discount shopping on groceries.

$101 per month saved
= $1,212 per year saved,
invested at 6% Compound Interest for 30 years = $101,963
then, a 6% payout to yourself from that nest egg will deliver $6,118 per year FOREVER,
so over that 30 years to follow, you’ll get a total payout of $183,533
and still have your $101,963
SO, over a lifetime, ALDI and the DOLLAR STORES could save you $285,496…
Here’s a picture version of that info, share with your friends:



Life requires solving a lot of problems, which means coming up with a lot of solutions.  Sometimes it’s easier to rely on the same methods of solving problems, while taking on new challenges involves taking on new challanges willingly, of course.

Even though big change feels more difficult, during such challenges we begin to hone a new sense of self while taking new strides towards new directions. We begin to develop a steady sense of accomplishment, find new capabilities, make discoveries, and sometimes, we find a greater sense of self.

Life gets busy, and that can mean locking up on old ideas.  People have been known to get rigid, often without being aware of it.  Have you ever heard of the hog-hair toothbrush…


Saving up $500,000 sounds difficult, yet it’s possible with the leverage of Compound Interest. Boiling down the effect of small expenditures and small amounts of savings is often the turning point away from ignoring savings altogether.  Holding our breath for a better future, a better paycheck, a better opportunity is rarely fruitful.  We CAN create those futures, sure but waiting is not an action.  Instilling great concepts in money management is often the difference between having something, and doing nothing.

Let’s gaze upon some monthly savings brackets, and the outcome these will provide…

GUT-LEVEL: Early Retirement Savings

Let’s spell it out.  Let’s point out the exact power and potency of savings, and how money turns into the Money-Machine
required to enable Financial Freedom. Doing this will ingrain it in our GUTS, and have us saving money like squirrels save nuts.

To begin, Yes, every person will utilized their savings differently. The most obvious route is to invest in ‘safe’ market tools, like mutual funds/annuities, and allow the magic of Compound Interest to multiply your money in 30 years (possibly tripling it).  You can then use that large lump of money as a Money-Machine, and rather than reinvesting the same yearly interest of 5% – 6%, you pay yourself that money every year… forever.

Then, in the last handful of years of life, that entire nest-egg can pay out in totality, as we exit our last breath on Earth… OR, we can leave a legacy of cash behind them for their families (perhaps with some ‘trust fund’ rules, so that your family doesn’t blow your master savings on expensive cars, and luxury vacations after you worked so hard to save that money for so long.)

If you save like a champ, and manage your money well, THAT IS THE INEVITABLE FUTURE OF CASH.

Some people save, and some people instead live for today only, assuming that a disaster could take their life at anytime, so just living for today seems good enough.  Many other people just find that the small pile of cash leftover after paying the bills is not enough to bother saving. For these reason, many people end up working forever, with little to show for it, and nothing left when they need it most…



Over the last 5 articles we have seen that immediate car costs pale in comparison to the truly insane cash-flow numbers that snowball over a lifetime!!!  Let’s cover the total of all costs from all 5 previous articles to get a quick, simple idea of how a difference choice of cars can easily lead to becoming a millionaire. This final article is the master key for all car costs,

You will never look at cars the same again…

CARS: The Real Cost – PART 5 : Insurance/Taxes

The lifetime cost to insure and pay taxes on cars will surprise you – because they are STAGGERING These payments can’t be avoided, but it’s a cost to stare down when buying a car, and will serve as an argument to simmer down the flow of money.

As our last few articles have pointed out, the opportunity cost in buying different kinds of cars can SKYROCKET over a lifetime.  A few thousand spent now, translates to tens of thousands of dollars down the road…This six-article series will make it crystal clear that making different car-buying decisions can revolutionize your early retirement possibilities. 

Okay, let’s deal with the nasty truth about car taxes, insurance, and simple registration over a lifetime…

CARS: The Real Cost – PART 4 : Repair/Maintenance

Why aren’t cars designed to last longer,
and why aren’t cars designed for cheaper repairs
with easily swappable parts?

          When asked something similar, the main Toyota spokesperson replied: “We don’t serve the used car market.” That’s coming from one of the best car manufacturers out there. The warranties on new cars are designed to expire at the mileage when certain repairs become more common.

“Designing a car is easy – building the machines that manufacture cars is the hard part!” Elon Musk

         Thinking in the “negative space” isn’t easy, and solving the problems of manufacturing is hard enough: to re-double those efforts to make cars easily repairable (plug-and-play parts) is a level of development beyond what car manufacturers are willing to deliver today.  The goal to make cheaper cars that last 400,000 miles is currently not on the horizon.  In fact, it appears the car market has lunged in the opposite direction…