Are You Saving Yet?

I have just started reading a book by Burton G. Malkiel and Charles D. Ellis called The Elements of Investing,

One of it’s quotes:

“It doesn’t matter whether you make a return of 2 percent, 5 percent, or even 10 percent on your investments if you have nothing to invest.”

It all starts with saving!

To start, make sure you have an income which exceeds your expenses.  This frees you up to save and invest.

According to Charles Dickens’  David Copperfield, having more income than expenses creates happiness.  Misery is having more expenses than income.

“Annual income twenty pounds ought, annual expenses nineteen pounds nineteen and six, result happiness.

Annual income twenty pounds ought, annual expenses  twenty ought and six, result misery.”


About Gary

I am retired, but not tired. I still want to be valuable to others. I know that others are valuable to me. After looking back on six decades, I have asked myself this question: “What do I believe?” My mind filled up. My heart started beating faster. My spirit soared. I post blogs to share what my mind is working on, what my heart believes would help others and, what my spirit is communicating to me. What do I believe, you ask? Decisions dictate your path In love, not hate In tolerance, not prejudice In health, not sickness In wealth, not poverty In kindness, rudeness In happiness, not sadness In encouragement, not discouragement In faith, not doubt In courage, not fear I have been and will be challenged in each one of these beliefs, but the biggest belief is to stay positive and not turn negative. This belief helps me maintain all of the others.

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