Hardwork and smart planning is a sure way

Any person who wishes to enjoy a quality retirement, or early retirement, must take control of their earnings to accrue capital. Not every person will enjoy an inheritance, and often that will come at an inappropriate time.  Hard work and smart planning is the sure way. What is the big deal about accruing capital?  A good question.

• The greater the deposit, the better the bargaining power when applying for a loan.
• It shortens the term of the loan and  the amount of borrowings.
• The more capital the less interest paid on the loan.
• The amount of capital available at retirement will give a better life style.
• Over time savings will allow for more flexible purchases.

Choose realistic goals. Make reaching your goals a priority. Pennies make pounds.

Personal experience is the best teacher.  Chapter 2 refers.