On this question there is no one simple answer. Sometimes I struggled with this problem. How do you convince someone, and does not go out for offenders. This is even more difficult, because in Poland there is still about money reluctantly moved in among friends.
Robert Kiyosaki in his book "He takes your money?" in one of the chapters wrote:
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Largest Americans fear
During one of my talks a young woman raised her hand and asked:
- Why ultrahigh gains are so important? Why can not become rich slowly? And why even have the money so important? Is being happy is more important?
Every time I talk about money and becoming rich, always in the audience will be someone with the attitude that I call a cynical attitude is based on the notion, "money is not important." This time I was prepared. I smiled and gave article daily USA Today. newspaper conducted a survey and found that "vision is depleted Money calls the biggest fear among Americans. "Their main concern is not cancer, crime, or nuclear war. New greatest fear is their vision of the exhaustion of money when they are no longer in the elderly. We also fear a long life without money. Most Americans think realize that the social security system and national health insurance might not even survive until they will need assistance in old age.
I let the young woman to read the article group, and I did at the time I wrote on the blackboard "financial game". Below I drew the following diagram:
Once faded the last words of the article, I asked:
- Did you know that by the end of 2010, 78 million Americans over 65 years or more? One in three has no retirement plan.
- I've heard about it. But why do you call a game?
I took a breath, I pointed to the column "Age" on the blackboard and said:
- The game is often divided into fourths. For example, a professional American football game played is a 15-minute quart. Many people leave school at the age of about 25 years and plans to retire, with 65. This means that the financial game that we play, it takes 40 years, or one quart to 10 years. We hope that during those 40 years and postpone earn enough money for retirement. I was able to get out of this game at the beginning of the third quarter, at the age of 47 years. My wife Kim won in his game, taking 37 years, just after the first quarter. Do you understand what I mean by this game?
young woman shook her head yes, the whole time clutching a USA Today article.
- And if you do not have enough money and work over 65 age, it is you call "overtime" - ensured.
- That's right. Actually, it could help them to leave for good, since the work makes them healthier. The difference, however, is that if they have, or want to work.
- A "end time" means that although we live in, is we are no longer physically able to work.
- That's right - I said, beckoning her head. - Could you tell me - not giving me his age - in Which Quarter Financial
you play now and if you still find your game, whether you have won it? - I asked.
- I can tell you how old I was. I am 32 years old, which puts me in the first
Quarter of your financial game.
After a pause she said:
- And much to my victory. I'm mired in debt related to student loan, with payments for the house, a car, taxes, and ordinary everyday life. This will take a greater part of my earnings.
let to her words echoed through the hall. After a long silence, I began to speak:
- Thank you for honesty. And if you started the fourth quart - would you say 55 years-and you just lost a lot of money in the stock market, whether it would be Mrs. afford long-term investing? Can you afford for the next downturn in the market? Can you work and wait for your money while zarabiałyby less than 10% per year?
- No - I heard in response.
- Do you understand now why it is important to have enough money, and why increasing their financial intelligence and generate more profits in less time with less the risk is so important?
confirmed nod.
To forcefully present my idea, I asked:
- Are you now is clear why conditionality of its financial future on fluctuations in the securities market does not make sense? Do you understand now why the transfer of your money to strangers who try to guess what actions are good and which bad, is not a wise action? Does it make any sense to work hard and with age to pay ever higher taxes, to then realize that nothing we have not been the heavily overworked life?
- No - replied.
Knowing that I understand why taking control over their own money in order to achieve higher profits is important, I added quietly:
- And do you understand why the greatest fear of Americans is the vision of the exhaustion of money when they are no longer in the elderly?
- Yes - admitted in a trembling voice. - My parents are terrified that a few years they will have to live with me. Also in this fear. I love them very much, I'm an only child. I have a husband and three children. I wonder how we can afford to maintain our family and my parents when they get old, and still put something on their children's education and our retirement?
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After reading this chapter is certainly easier convince anyone that already ensure our future is extremely important.
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