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You're Never Too Young or Too Broke
R. L. Ward
Copyright © 2020 R. L. Ward
All rights reserved
First Edition
NEWMAN SPRINGS PUBLISHING
320 Broad Street
Red Bank, NJ 07701
First originally published by Newman Springs Publishing 2020
ISBN 978-1-64531-874-3 (Paperback)
ISBN 978-1-64531-875-0 (Digital)
Printed in the United States of America
Table of Contents
To my family and friends who love me without judgment.
Even when you feel like a mouse, roar like a lion. People believe what you show them.
—R. L. Ward
Introduction
Before beginning to give my thoughts, tips, and techniques related to the importance of microsaving and the pitfalls of not doing so, let me take a step back and be perfectly honest.
In my younger years, I was the absolute worst about consistently putting money aside. Even when I did, I always had some reason to use it for another purpose rather than to grow my nest egg or save for a rainy day. It was clear to me that saving was necessary for all the obvious reasons, and yet my discipline to do so was lacking. Because of my inability to look beyond what my needs might be in the next year or so, I got myself into a tight spot more than a few times. It wasn’t that I didn’t make enough money or that my expenses were far more than I could handle (at least that wasn’t the case the majority of the time). There isn’t even a way I can blame it on not being schooled properly regarding the importance of putting away money for the unexpected emergency fund. It was simply my inability to see into my future and reconcile with the fact that saving a portion of what I made was necessary.
Happily, I’m on a different and brighter path today. I’ve traded my bad habits, where money is concerned, for others that serve me better. I’m debt-free, recently paid off a six-year car loan in two and a half years and am setting a plan in motion to pay off my home before I retire. My life is beautiful, and yours can be too. Take control and never look back. Your future is not written, and you’re the author. Start a new chapter.
Now let us begin.
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