Developing a Financial Plan For Your Future


What is the best way to motivate Americans to save, invest, and prepare for their financial future? Some experts suggest using a carrot. Others suggest using a stick. And still others suggest using a combination of carrot and stick. As for me, I suggest the use of statistics. Consider just a sample of the numbers that were recently released.

  • It is estimated that about 150 million Americans are saving little or nothing for retirement and more than one-third of adults admit to sometimes or often spending more than they can afford.
  • In 2005 the average savings rate for an American household was -0.5%, something that has not happened since the Great Depression. In 2006, this number dropped even further to -1.0%.
  • In 2007, the U.S. foreclosure Market Report reported foreclosure filings on 1,285,873 properties, up 75% from 2006.
  • Fewer than 30% of young Americans are given the opportunity to have any kind of personal finance education even in high school.
  • Finally, about half of adults are concerned they have not paid enough attention to managing their finances as they should have and that they do not know enough about financial planning.

Now is your chance. With everything happening in the economy, you need to have a personal financial plan. Such a plan for your personal finances will help you navigate the roads of your life. No matter what situations life may throw your way, a financial plan will help you plan for rather than react to situations that may arise, make better choices, and ultimately achieve the financial goals you have for you and your family. This is your chance to start getting your personal finances in order. Over the past few years, I have developed a personal finance kit that will take you step-by-step through forming your own unique personal financial plan to accomplish your dreams and goals. With your personal finance kit, you will be able to:

  • Find out your financial independence number
  • Get a gap-analysis of your current retirement plan to make sure you will be able to comfortably retire
  • Determine the type and amount of life insurance you should have
  • Find out the different ways to save money for your children's education
  • Develop a household-budget that is right for you
  • Find out how to get out of debt faster than you thought possible


Click here to see the dramatic impact that using this kit can have on an average American family. For a limited time, you will also get several free gifts and $10 off your order.



If you are still not convinced you need a personal financial plan, continue reading or click here to find out more information about the personal finance kit. 


Personal finance has left many American families struggling. Recent articles have shown how middle class America is caught in an economic squeeze forcing many families to live above their means just to pay for the basics such as housing and health care. Have your personal finance goals of financial success become more and more elusive – being replaced by rising costs, increasing amounts of debt, and declining wages? Studies have shown that one of the biggest factors contributing to financial success is having a personal financial plan?

 Imagine how would you feel:

  • knowing that you have a financial plan to become completely debt free?
  • knowing that you had planned ahead and can send your children to college?
  • knowing that you have enough life insurance to take care of your family if anything were to happen to you?
  • knowing that you have a personal financial plan in place that will allow you to retire comfortably even though many retirees are having to return to the work force.?

All this is possible with the right personal financial plan. Did you know that studies have shown that families with a financial plan are able to save more and meet their financial goals more than families without one? Your personal finance kit will help you develop such a plan for your personal finance. It will to show you how the same money management techniques available to the wealthy can work for you. Whether you are worried about retirement, making ends meet, knowing how much life insurance you need or personal finances in general, the proper financial plan can help you succeed.

Every family I have spoken to over the past few years has had different and unique financial goals. Yet, they all have one thing in common – a desire to reach for and achieve their financial dreams and goals. If you share this desire, this personal finance kit will definitely help. I have taken much of what I have learned through my own personal experiences and what I have learned from talking with numerous families and put everything in an easy to understand kit to guide you through developing your own personal financial plan. Whether you are in your 20’s and just starting out or in your 50’s and wondering whether you will be able to retire comfortably, this personal finance kit can help give you the knowledge you need to get closer to achieving your financial goals. If you are ready to take control of your personal finances and start developing a personal financial plan for your future, this kit is for you. Don’t allow your financial dreams to be killed by procrastination, take the first step towards your own personal financial plan and order your personal finance kit now.  



 Remember, for a limited time, you will get 5 free gifts and $10 off your order

  My goal is to help you develop a plan for your financial future. If you have any suggestions for improving this website to better meet your needs, please fill out the Feedback Form

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 Financial Plan, How Money Works, Getting Out of Debt, Saving Money, Household Budget,          Retirement Planning, College Savings, Life Insurance, Recommended Readings, Contact Us