“The significant problems we face cannot be solved by the same level of thinking that created them.”  ~ Albert Einstein

I had a banker friend make the statement, “Anyone in America can become wealthy by saving.” Maybe, if you’re in a very high income group. My position is rather different. Given a long time horizon, most of the population can become affluent to wealthy by investing. Yes, you absolutely should have an emergency or savings account, but for most of us regular folks, you can’t save yourself into prosperity. 

Unfortunately, many people simply aren’t interested in investing or choose to delay investing. Too many have someone manage their money (hoping they’re competent and honest), or simply rely on the government and/or their employer. 

Ignoring the issue never works. As I’ve aged, I’ve become more cynical and informed, depending on how you look at it. The truth is nobody is more interested in my or my family’s prosperity than ME. Depending on the kindness and competence of others is the fool’s way to go. Yes, I consult others, but I’m responsible for my future. Underfunded pension plans, high fee advisors with poor to mediocre results, and people eeking out an existence on social security are not the way to go. 

Accept that if things are going to fall your way, it’s up to you to make it happen. Educate yourself on investing and move beyond just saving. Decide to become accountable for your prosperity and future. Others have successfully done it, and you can too.

“Education is the best provision for old age.”  ~ Aristotle