By Joan Baker
A truly functional, basic advisor to funding making plans written in particular for ladies.
Read or Download A Man Is Not a Financial Plan: Investing for wealth and independence PDF
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Additional resources for A Man Is Not a Financial Plan: Investing for wealth and independence
Time is your biggest ally. This is where the going gets tough. Unless you have a very high income you have to cut your consumption to create a surplus for investment. There are great and powerful marketing forces telling us to consume more and more. We have become used to living up to, and even living beyond, our means. We consume more of everything than we need, or even really want, in some cases. Most of us are overspending—on food, clothes, holidays and so on. Every business in the land is telling us to spend, spend, spend—and they are backed by huge marketing budgets.
Is your capital base growing? • Is it growing fast enough to give you enough income some time in the future? 24 A man Financial Plan PGS 2/7/07 11:09 AM Page 25 Why income matters Income has four important uses: • Consumption. You have to live. A proportion of your income will have to be spent on groceries, transport, utilities, etc. • Reinvestment. e. do not spend it) it is added to your capital (wealth) and will grow. When income is invested in good assets it will compound at a good rate and create even more wealth.
You have to live. A proportion of your income will have to be spent on groceries, transport, utilities, etc. • Reinvestment. e. do not spend it) it is added to your capital (wealth) and will grow. When income is invested in good assets it will compound at a good rate and create even more wealth. • It pays for borrowings. Nearly everyone who becomes financially free gears up the capital that they have by borrowing. ) Borrowing reduces the amount of disposable income that you have (because you have to pay interest), but increases the amount of your capital (because by borrowing you can invest in more assets).