Page 105 - Smart Money

Chapter 5

your hand or take you under our wing and make the whole process easier.
And you don’t have to pay us anything. The bank pays us.

If you don’t think it is worth it, you are going to have a very sad
retirement with no money. If you wait for something magic to happen,
prepare yourself for disappointment. You have got to do something to get
something. It’s the same as any sport – you need to practice. You need to
get started to do things – a couple of dollars a week to start really adds
up over time. It works for kids, but it works for adults, too, so don’t wait
until the last minute and just hope that the magic will happen.

Key Point
What I would like you to do after reading this book is take a bit more

interest in your financial future and realise that it is just as important as
your health, because they go hand in hand. Once you do that, the next
logical thing would be to actually get motivated and go and speak to
someone about it.

Think about what you want, what you want to achieve. Most financial
planners offer a free initial consultation and if you go and speak to them,
they can advise you on a course of action that is going to work for you.
The worst-case scenario is that you don’t speak to anyone at all. You wait
ten years and then you find out about something you wish you had done
ten years ago.

Sometimes it is riskier to do nothing than to invest in something,
or buy a property, or look at this, or look at that. Some people are
so risk adverse that they do nothing, but they don’t realise it is
riskier to do nothing.

What’s the next step?

Want to get smarter with your money and mortgage?

1