We don't want to say it. We know it's true.

People have excuses NOT to develop a plan for saving an Emergency Fund (for now and while you are working). They also have excuses why they can't save money for retirement.

Human nature (and - unfortunately - the American way) is to put things off. Keep pushing things "down the line."

No one wants to die. Most people want to retire. Many people think they can put it off. Put off saving for retirement. Putting off death. The true is you can't put off either.

If you don't save, you will end up poor.

Break free. Start.

So, how do you turn the tide? How can you make sure you don't end up in the "new bread lines" at retirement? You develop a plan. You can do it, too. This is the entire reason we have written The Sticky Asset: How To Survive Any Financial Crisis (www.stickyasset.com). We know it is hard to develop a plan on your own, and we know that it is even more difficult to think about having someone steadily sift fees right off the top of your savings and your retirement before you get a chance to get going. That's why we wanted to start in a simple way to encourage savings. We want to share that anyone can start by developing a plan and using small tricks to get your family in a stronger financial position.

Money gives you options. Not credit. Credit is the facade of the last thirty (30) years. Now is the time to think about what some called "The Greatest Generation" and their guiding principles. Work hard, save, seek value and avoid debt.

If you've not seen the details in The Sticky Asset: How To Survive Any Financial Crisis, you deserve to get it today. However, we don't want to generate readers. We want to generate action.

You should:

1. Research a plan for yourself and your family.
2. In that plan, you must "pay yourself first."
3. Don't think of this or any "get rich plan" as a get rich quick plan.
4. Start with little steps. Take 1% of your paycheck and shift it to savings every time you get paid. Then, lift it by 1% every month until you get to the point where you are saving a solid percentage. If you cannot boost 1% each month, boost the percentage of savings by 1% every other month. The most important thing is: GET STARTED.
5. Automatic savings are always better. Think of ways you can generate automatic savings.

You think things are bad? Things could get worse. Take action on what you can do now. START saving.

When you see the bad news on TV or on the internet about jobs and economy, don't let it scare you into doing nothing. You are smart enough to begin.

Look for ways to save in your life. You can do it. Let's start the new American Financial EVOLUTION!

You'll be glad you did.

Good luck.



www.StickyAsset.com