Anybody Can Spend, but Can You Save?
Rich Thawley
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Article Title:
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Anybody Can Spend, but Can You Save?
Article Description:
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We have a great weakness in our society of wanting immediate
gratification. We are under a constant barrage in all forms of
media to buy this or to buy that. In our world of credit cards
and charge accounts it is a challenge for many to resist the
temptations of materialism. Don't get me wrong, I think it's
fun to have nice things, but only after we can afford them.
Additional Article Information:
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527 Words; formatted to 65 Characters per Line
Distribution Date and Time: 2009-01-22 12:48:00
Written By: Rich Thawley
Copyright: 2009
Contact Email: mailto:worldfin...@gmail.com
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Anybody Can Spend, but Can You Save?
Copyright (c) 2009 Rich Thawley
World Financial Group
http://www.wfgnewsroom.com/
We have a great weakness in our society of wanting immediate
gratification. We are under a constant barrage in all forms of
media to buy this or to buy that. In our world of credit cards
and charge accounts it is a challenge for many to resist the
temptations of materialism. Don't get me wrong, I think it's
fun to have nice things, but only after we can afford them.
In my 28 years in the insurance and financial services industry,
I have seen so many careers and families damaged by lack of
financial discipline. For too many, the habit of spending what we
don't have has become an addiction.
It seems that one of the most powerful motivations behind this
epidemic of spending is the desire to be envied by others for all
the cool stuff you have. When you think about it, that's not a
very impressive motive, is it? I believe to be happy in our
homes, families, and businesses, we need to learn how to restrain
ourselves, spend wisely, and save more money.
Early on in our business, my wife, Cindy, and I were given great
counsel that as our income increased we should strive to not
change our lifestyle for as long as we could stand it. Over the
next few years we did exactly that. Our income increased
dramatically but rather than spend, we saved. Occasionally people
inside and outside of our team ridiculed us for it. I regularly
overheard teammates making excuses for our older car, rented
townhouse, and simple clothes.
We had decided that we wanted to set an example of wisdom and
self-restraint. We saw examples all around us of people spending
all their money and borrowing more on top of it. We felt a great
responsibility to those who looked to us for leadership. One day
it occurred to me that if I couldn't impress them with all the
things we had bought, we would just have to impress them with all
the money we had saved. So we went and bought a piece of poster
board and designed a bar chart that had our savings goal at the
top and we inked it in like a rising thermometer every week as we
sent more money into savings. Pretty soon we noticed our
teammates were taking team members and new clients into my office
to show them how much we had saved that week or that month. I'd
overhear them saying things like "I know he doesn't look like
much, but look, he's already saved $20,000 this month."
Our goal as we work with people in the marketplace and on our
teams is to help them break their habit of spending and replace
it with a better, healthier habit of saving. It is fundamental to
what we do, and it is a primary purpose of the existence of our
company, World Financial Group. We must stop the fool's game of
spending all that we have for the shallow purpose of impressing
somebody else. Save more money. Get out of and stay out of debt.
Don't waste this opportunity to build a great business and
become financially secure.
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Rich Thawley is an Executive Vice Chairman and member of World
Financial Group Chairman's Council. He has three children and
lives in Lodi, Calif., with his wife, Cindy, and youngest son,
Brett. (I don't think he'd want to share this with the free
world). This article first appeared in Opportunity, the
http://www.wfgnewsroom.com/ company magazine, vol. 3/issue
4/Quarter 4 2008.
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