++Most of us are overpaying for insurance, investments, taxes, etc ++We "waste" our $3,022 tax refund each year. ++We can build assets to insure our future. ++We can use a special account for tax-FREE income. ++Each $3,000 invested is worth $100,000 eventually Without a Spending Plan, we will fail to accomplish our family goals. A Spending Plan can help us pay 40% less for the things we want-new home, car, addition, vacation, and comfortable retirement. We can have $50,000 to pay for the kids' college expenses. We can have $1 million in our retirement account. Few of us have actually sat down and figured out how we will accumulate the money to pay for our dreams. Most of us just keep adding monthly expenses to our life so there is nothing left to save or invest. This year, it might be a new mobile phone contract. Last year, a new cable TV contract. Next year, a new car loan payment. Most of us have committed our paychecks before we even earn them. How are we going to reach any of the goals we have in mind? Some of us turn to the weekly lottery and bet $20. Some of us find another job. Some of us throw up our hands in frustration. We are caught in our current obligations. Even when we receive our tax refund, averaging $3,022, we use it to pay for stuff we already bought. There is only one way most of us can afford the dreams we mentioned above. We need a Spending Plan. With it, we can accomplish every goal we set for ourselves. A Spending Plan provides a strategy to save and invest for the big items our family wants. It is an easy simple way to get started. I can help you reach every goal with an individual plan.