TEN EARLY RETIREMENT TIPS

1) SAVE - SAVE - SAVE! Compound Interest is how many millionaires started
Put $50 a week into your savings account (get a 4.5 Internet interest account, if you can find one these days).
Toss that loose change into piggy banks or jars (we found $10,000 in change in tins and jars in my grandfathers house when he died..he didn't like banks) then cash it in at the end of each year or 6 months and put into a saving account.

2) DIVERSIFY your investment holdings. Buy gold and silver, when paper money deflates, you can always take gold to the bank! It is also a good time to invest in non-renewable limited resources like cooper, silver.

3) GET DEBT FREE (Use the Dave Ramsey Plan, if you have to, just do it NOW!)

4) DOWNSIZE YOUR LIFESTYLE Now. Bigger is not always better. If, you want to play at
55, when you still can enjoy life, Downsize! Get a smaller house (who needs 5,000 square feet). Let Ebay help you reduce your unneeded and unused inventory of American Collectible Stuff/Nicknack's/Junk. Take those clothes you never wear to the resale shop. Live Smaller and Smarter in your 30's and 40's, so you have money to put away for your retirement.

5) Look into Portfolio Insurance!? Now! Get rid of Whole Life Insurance and get Term Life. Review your insurance portfolio. You are probably over insured and paying too much. More money for savings! Raise your Automobile and Health Insurance deductible to $1,000 and see your premium go down. More money in your pocket to save not spend.

6) EAT LESS! Do you think I am joking? I am not, change your diet and save money. Bank the extra savings.
Stop being a "junk food junkie" and add up in one week how much at fast food places.
Stop eating out weekly or 2 - 3 times a week. Start cooking again and eating casseroles. Learn to have one meal a week of leftovers creatively called a "dutch smorgasbord". Add up those $5 -$10 lunches at fast food restaurants in one month and see what you spend($300 -$500 a month on lunch ouch)! Now save the receipts for just one month every time you eat out for dinner. I believe you will be very very surprised what you are spending. Think how that money will add up in a year. Get a coupon book and eat out 2 for 1 specials! This is how and why millionaires are rich-they are frugal folks.

7) RECYCLE - REDUCE - REUSE many household products, then put your monthly savings in the bank in a

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