Here is the best free advice I can give you… When it comes to money, the last thing you want to be is normal.

This is what normal looks like:

Work really hard, earn a decent income, but not save enough (if anything), don’t invest, pay little-to-no attention to super, take too long to pay off a mortgage, leak money on things that provide little-to-no satisfaction, then retire poor.

I have to ask… is there a chance you’re normal?

If so, let’s fix it ASAP!

To be fair, for most people ignorance is bliss. They don’t understand the longer-term implications of the decisions they are making in the present and it’s only when it’s too late that they will finally realise what needs to be done.

It’s a heavy price to pay and why so many people, like myself, are so passionate about increasing people’s level of financial literacy.

Financial literacy is the ability to make informed judgements and to make effective decisions regarding the use and management of money.

How would you rate your level of financial literacy? If it’s lower than it needs to be then let’s work together to do something about it.

I listed above what normal looks like. There is no substitute for hard work, so that’s not something you can avoid, but from there the key is to be smart (or smarter) with your money.

Being smart with your money looks like this:

• Pay yourself first (saving something every time you get paid)
• Borrow less than you can afford
• Have a strategy to pay off the mortgage quickly
• Invest regularly and ASAP
• Use debt wisely for investment
• Create wealth
• Reach a point where retirement means stopping work on your own terms!

Can you see how wide the gap is between normal and wealthy?

When all is said and done, ‘normal’ is a disaster for too many people. “Don’t think you’re on the right road just because it’s a well-beaten path.” – (Author Unknown)

Your life is too valuable to live like everyone else!

For most people inertia is the biggest challenge. Inertia is the tendency to do nothing or to remain unchanged. As humans, we find change very hard. That’s why having a coach can be invaluable when it comes to starting, then continuing, the money habits that will lead to success.

A coach also helps because a coach can push you to better results. Just like in sport and other areas of life, it’s usually very powerful to have someone hold up a mirror and show you where you can improve.

There are lots of wealthy people in the world, why shouldn’t you be one of them?

Cheers,

Daniel