If you have succeeded in following and applying the information in these articles up to this point (or information similar to this), you will be amazed at the changes in your life that either are happening or will be happening in the near future that improves your capacity for saving for retirement. If you have not applied the information, that's on you. You can never for the rest of your life, however, say that you have not been presented with suggestions as to how you can make your life, especially your financial life, better.

To once again review what we've covered:

The vast majority of people, especially paycheck-to-paycheck employees, do not earn enough money to live the lives they desire while working and retire to the lives they desire as well.

You can make changes in your life that lead you to the life you desire.

To make change requires a process. One part of the process is to be clear about what you want. You can be clear about what you want once you identify what you do not want. You can make a "do no want" list, the opposite of which, item for item, becomes your "do want" list.

Affirmations constructed using your "do want" list is a very effective way to plant new thoughts firmly in your mind.

Tools you can use to keep items from the "do not want" list from continued dominance in your mind include EFT (Emotional Freedom Technique), a rubber band, and the overwhelm technique.

Since your consistent thoughts and images determine the physical circumstances in your life, making items from the "do want" list dominant in your mind using affirmations, will produce more circumstances of what you desire, including more money.

There is a price to be paid to bring about desired changes in your life. That price is persistence. The American Heritage Dictionary defines persistence as: "Holding firmly and steadfastly to a purpose or an undertaking despite obstacles, warnings, or setbacks." With persistence, nearly any task will be accomplished.

You need to know here and now that challenges will come; seemingly, every naysayer in site will approach you; detractors will try to derail your efforts; family and friends will try to "protect" you from disappointment. It will seem like life is deliberately testing your resolve (to improve your capacity for saving for retirement, for example) to see if you really are committed to what you say you are, so it places all sorts of discouraging experiences before you.

There are some people, and you may be one of them, who know from experience the power of persistence. They have seen rain and/or wind wear down rock through persistence. They have witnessed the carcasses of large animals carted off by tiny ants over time through persistence. They somehow know that the discouragements previously mentioned are only temporary. They know that so long as they keep their focus on their goals and are always willing to take another step toward them, any apparent defeat will be changed to victory.

Without persistence, few important tasks are ever completed. Without persistence, you will be defeated even before you begin. So be persistent no matter how slowly you may at first have to start. With persistence you can increase your capacity to generate more income for saving for retirement. By persistently moving forward, success will come.

Remember, you do not have to live on less in retirement. No matter where you are right now financially, you can build and enjoy a Million Dollar Lifestyle Retirement.

Harold L Lowe retired at age 62 when his six-figure income position eliminated. He shockingly found a 50% reduction in his (combined pension and Social Security) income. He's since learned that income reduction is faced by most paycheck-to-paycheck employees. You can get a copy of his Free, eye-opening Report "Saving for Retirement is not Enough!" at http://www.haroldllowe.com

Treating Your Retirement As A Liability
You already pay your bills on time. So why not add one more really important obligation to your monthly budget. If you begin treating your retirement ...

Saving Money By Following A Sound Retirement Income Plan
A popular adage says, "Money saved is money earned." But, unfortunately we fail to implement it in real life situations, a fact attested by recent res...

Retirement Plans - Why Is No One Saving Money?
According to recent studies by the Federal Reserve, consumer savings are lower than at any time since the Great Depression. The Fed survey found savi...

Three Places You Can Find Free Retirement Planning Tools
When it comes to planning for your retirement, most people don't know where to start, so they put it off. When they realize that retirement is on the ...

Saving For Retirement - The Fun Begins
Now that you've symbolically gotten rid of the "do not want" stuff from your life, and your focus has now turned to the items on you "do want" list, y...

Start Squirreling Away Funds For Your Retirement
Investing for retirement is not something everyone does ahead of time. Many people do not get started because they feel that their retirement is sever...

How To Use a Basic Retirement Calculator
A basic retirement calculator is a program that you can find for free on the Internet. This calculator will take your current retirement savings infor...

A Lifetime Plan for Saving Money
When you are in your 20s, saving money is one of the distant planning that you seldom undertake. When you are in your 30s and 40s, then this becomes a...

Balanced Financial Plan - Planning For A Secured Financial Future
Everybody aspires for a secure future and building a balanced financial plan is one good way for preparing for it. The uncertainty of your finances is...

Should You Be Mortgage-Free in Retirement?
According to a new financial planning theory, individuals who want to achieve a comfortable retirement should not only be mortgage-free by age 65, but...

Saving For College - 5 Keys To Take Your Child From Nap To Frat
Imagine you have a two-year old at home-as I do-and you finally get her down for a nap. You plop down on the couch, even if just for a brief moment. ...

Retirement Planning For Baby Boomer’s: Three Reasons to Plan Even If You Don’t Want to Retire
Many Baby Boomers love their work and can't imagine ever giving up their career. Others are making great money and would not retire because they woul...

Is Saving Money Your New Years Resolution?
Every new year brings resolutions for most people, which means that it is just as good a time as any to start trying to save a little extra money. As...

Proper Money Management Tactic Helps You To Save Money At An Amazing Pace
Life is all about making the right choices at the right time. More so, when it comes to money matters as we stay in a world where most of our life is ...

Strategies For Women To Secure Your Financial Future
Based on studies and researches there are 1.5 million women filed for bankruptcy in 2005 half of them are married and the other half were single, divo...

Personal Finance Advice | RSS 2.0 | Closed.