Ken Himmler.com

If there was a time-tested and proven path to wealth, it would without a doubt include saving, saving, and saving.  There is an illusion that affects even the best of us, and that allows many people to feel comfortable with procrastination.  The fact is, it is hard to accept the fact that we do not have an infinite amount of time.  So much of the time, people know that they need to save and make investments for retirement, but they follow the reasoning that they have so much time until retirement that they can always ‘do it later.’

Other reason that they will have plenty of time to save and make investments after their income increases to a more comfortable amount.  A lot of the time, this mindset makes it difficult to accept the fact that we all have enough to invest for a comfortable retirement in the future.  The problem is that most people run with the understanding that there is not enough in this world to go around and they need to take their share now.  When all is said, they would rather enjoy their money now instead of invest it and live comfortably in the future.

This hurdle is easy to overcome, however, when you create a budget and stick to it.  It may be overstated, but the fact is that whatever your situation is now is the time to be saving and making retirement investments.  While it may be difficult to see how you can fit it into a tight budget, there is a lot of wisdom that comes with paying yourself first.  Consider taking just ten-percent of whatever you earn in a week and placing it in a retirement savings account to start with.  Ten percent is not a lot, and most people can work with that kind of budget.  A little bit really does go a long way, and after a few short weeks you could be well on your way to a comfortable future retirement.