Hi All,

Like you, we DINKs try to stay on top of the news. Well, today’s headlines don’t offer a lot of optimism about America’s fiscal health. For example,

1) The Drudge Report is running a headline predicting the US is going to collapse.

2) CNN is reporting a drop of nearly 17% in housing values.

3) Bloombergs big story this morning is the Federal reserves commitment of $800 billion to improve business lending.

This adds up to a picture of doom and gloom for the economy.

I want to urge our readers to decisively reject this kind of pessimism. Despite everything that’s happened over the past few years, America still has an exceptionally flexible system of democratic capitalism. Relative to European countries like Germany and France, the United States remains an excellent place to make money, invest or start a business.

Pessimism hinders your wealth building and closes your mind to making money. The personal finance literature is very clear, a major difference between the first generation rich and others is an optimistic attitude. Also, you’ll need to effectively adjust to current economic conditions. Despair limits your ability to do this. If you are out of work, do some things to make extra money. If you don’t have an emergency fund, build one up. But, whatever you do – don’t let pessimistic thinking allow your wealth building to be derailed.

Best,

James

MANAGE YOUR MONEY TOGETHER

Here are some simple guidelines for DINKS to build wealth:

1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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