ESTATE PLANNING ADVISOR 

Dear Friend,

Today life is just a blur. We are so concerned about all the important things in life. Our activities fill up the days, and after a good night's rest, we do it all over again.

Then one day, we realize that those "golden years" of retirement are not 20-30 years away. Yes, one day the door of retirement is in sight. Do you have enough money put away to live like you are right now? Can you live on 80% of what you bring in?

Don't feel alone, many Americans have saved very little, or nothing at all for retirement. I will not make you feel bad, we all are in the same situation. Most of us do not have enough to quit working. If you think Social Security is going to be your "safety net", you better throw cold water on your face. Most monthly checks are around 900-1,250 dollars a month. Scary isn't it?

 You must STOP what you are doing and change your spending habits. Pay yourself FIRST, and then pay your bills. The time to start is NOW !! Don't wait !! 

 This website is loaded with good solid advice for your to look at and use in your life. Start small, but please START !!  Saving is a habit, a GOOD HABIT !! Stop buying Starbucks Coffee and save $ 150.00 a month. Amazing to think about it that way. Take some sandwiches to work, and save another $150-200/month of fast food meals during lunch.

Just those two suggestions will show you how much money is just flowing out of our hands every day. Start saving a little every month. Take money and put it in a piggy bank - YES a piggy bank!

Every month put that monry away. Then start saving $5.00 a day, then $ 10 a day. It will work!

Do it for yourself - Do it for your family.

Richard Womeldorf