In simple and easy-to-understand language, author Rich Brott explains that financially, you must "live below your means". If you have been living above your means, you are already in serious debt with no hope of becoming debt free unless you quickly change your financial habits. If you have been living within your means, you may be debt free, but you have little or no savings or investments to carry you through your retirement. What you must begin to do is live below your means. The book will show you how to do just that. Once you've accomplished the basics of getting out of debt, staying out of debt and continuing to live below your means, then the next big hurdle is to set financial goals that willkeep you invested in simple, well-diversified, conservative investment vehicles. The only way to reach a financial goal is to work at it. The most important step in reaching that goal is to develop a plan to achieve it. That's why it is so important to plan ahead for your retirement and your financial future. While the idea of planning ahead and building a solid financial strategy for success can sometimes be intimidating and overwhelming, once you get started, it will become easier. With a little planning and a better understanding of what your investment options are, you too can successfully manage your money and pursue your financial goals.
Rich Brott is the author of several books on personal finance and business management. He holds a Bachelor of Science degree in Business and Economics and a Master of Business Administration. He has served in executive positions for several large businesses. He has functioned on the board of directors for churches, businesses, and charities and served on an advisory board for a college. Rich has been a vice-president of a national bank, division general manager of a group of newspapers, as well as a pastor and speaker. Rich is currently the director of City Christian Publishing, a local church based publishing company. He and his wife Karen, have been married for 35 years. Rich Brott resides in Portland, Oregon, with his wife, three children, son-in-law and granddaughter.