"Become a Millionaire

Before You Retire"


It is Your Choice!


Pay Yourself First!

(see Chapter 2)

It is Not that Difficult!

(see Chapter 4) 

There are over 2,000 new millionaires in this country every day. You can be one of them!

Ask yourself these questions:

How will my Financial Health be in My retirement?

Am I on track to financial security?

Do I know what I need to do financially?

Others are doing it. Can I?

Would I like to retire with over $1,000,000?

Would I like to have all those answers in one place?

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It is my hope that you are reading this book long before your retirement. However, if you are already retired there is lots of very valuable information here for you. See the Table of Contents below.

My objective is to get the right amount of information to you. You may say: "How do you know how much information I need?"

Recently while golfing at a new course a fellow golfer said: "The hole is farther away than you think it is?"  I asked him a similar question, that is, "How do you know how far I think it is?"  His answer was similar to mine. I just know.


  • Although this book is 60 pages, do not expect "wordy" explanations. I get right to the point. Check out the sample chapters below. 
  • My goal is to give you as much useful information as you need to retire financially healthy.  

As a teacher, college professor, health care provider and investor, I understand that those who follow us are just as wise, but better informed because of us. It is important to educate our children so that knowledge continues to increase. We are in the midst of a knowledge explosion that is likely to continue for hundreds of years.

We must keep in mind that knowledge is not a substitute for wisdom. I address that in this book.  Fifty percent of retirees do not adequately plan for 20 to 30 years of retirement.  That is not wise.

Read this book with the intent of the author in mind.  It is my intent to have you retire without financial worries.  It can be done.  In fact, many do it.  So can you.



  1   Get Motivated to Achieve Your Goals

  2   The Keys to Financial Success are Within Our Grasp

  3   Opportunities and More Opportunities

  4   Becoming a Millionaire Is Getting Easier

  5   A Measure of Progress and Comparison

  6   Is Living Paycheck to Paycheck in Your Future?


  7   The Clock Never Stops Ticking

  8   How Much Money Do I Need to Retire?

  9   You Get to Choose Your Financial Status

10   Meaningful Retirement Statistics

11   Avoid a Big Financial Problem

12   This Is Just Not True


13   There is a Tendency to Under-Estimate Expenses

14   Why Does Everything Seem to Cost More?

15   Take the Mystery Out of Financial Planning

16   It is Really Important to Get This One Right

17   More is Definitely Better

18   I Need More Income


19   Perfect (or terrible) for Your Retirement Plan!

20   3 Things You (Should) Must Do Before You Die

21   The Family Love Letter

22   The Ethical Will

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3 Sample Chapters

Chapter 1 - Get Motivated to Achieve Your Goals

Motivation will lead to success. Each success will get you more motivated. Learn to do what people do who become wealthy.

If you find it difficult to get motivated, do the following:

  • Listen to the best motivational CD that you can find. Then listen to a couple more.
  • Buy a motivational book and devour it!
  • Find the most successful person you know and explain your predicament.
  • Attend a motivational seminar with a terrific speaker.

If none of those things work, resign yourself to the fact that maybe you cannot be motivated.  There are many people who are in that situation.  It's okay.  But, it is also unfortunate.

Delay Gratification! (Will Get Easier)

I was so fortunate that my parents implanted in me the importance of saving for something I wanted.  After the saving came the buying.  Often, by the time the money had been saved, I no longer wanted the item.

I've noticed that there are people who stand in line or even campout overnight in the cold, so that they can be one of the first to see a movie or buy the latest iPhone. They have not learned to delay gratification.

Learn to be frugal.  Develop good saving habits.  Become wealthy!  Set realistic goals.  Achieve a goal.  Let attaining that goal motivate you to accomplish the next objective.

From personal experience and by watching others - I know it works!

I marvel at the many immigrants who seized the opportunities available in the United States that were not obtainable in their homeland.  They were not tempted to want all of the expensive, non-essential things that so many Americans have-to-have.  They not only delayed gratification, they saw these items for what they are - non-essential.  (and more)

Chapter 3 - Opportunities and More Opportunities

There is no country that has more financial opportunities than the United States. Immigrants leave their homeland, learn our language and assimilate into our way-of-life. Some risk their lives to get here. Why?

They come here because there is opportunity and freedom. For over 500 years people have migrated to this country. Fortunately, most of these immigrants live frugally, save money, send their children to college, pay taxes and obey the law.

Yet there are people that are born here, know the language and the culture, and find it difficult to survive financially and within the law. They do not have all of the challenges that immigrants must endure. They cannot seem to save money, most pay very little taxes and a too many disobey the laws.

Why do some people succeed monetarily, emotionally and legally while others struggle? The opportunity is the same.

Don't Miss Your Opportunity!

Some people of retirement age continue to work out of necessity. Others delay their retirement in this "land of opportunity". Why?

Most people did not start saving for their retirement years early enough. Some never learned basic money management principles. Others did not realize how much money they would need for retirement. The information is available. They either did not seek the information or found it and ignored it.

Here are some facts:

  • It will require a savings of $166,696 to generate 20 years of $1,000/mo. in retirement income. (Based on 6% investment return and 2% inflation)
  • $5,000 per month income for 20 years of retirement would require $833,479 in savings.
  • The average Social Security check for a retired worker is about $1,200 per month.
  • 80 percent of people age 30 to 54 believe they have enough money put away for retirement.
  • At retirement, 35% of people rely completely on Social Security.
  • The average savings of a 50 year old American is $43,797.
  • Medical expenses during 20 years of retirement are estimated to be $215,000.

How Much Retirement Money is Enough?

No one knows. There are too many variables such as: inflation, taxes, stock market volatility and higher health care costs.

Of course, more retirement money is always better than less. Entering retirement years with credit card debt or a home mortgage or any other debt can be devastating.

We prepare to enter the work force by becoming educated. We can all write a note and have basic math skills. We also need to prepare for that part of our lives that occurs after employment.

Qualifying for Social Security benefits will never be a substitute for financial security. I believe that a strong personal retirement account is indispensable.

Prior to retirement, we need to talk to retirees. Discuss their concerns and ours. Listen very carefully to those who have a retirement similar to what we would like for ourselves. Ask them how they accomplished it.

A spouse who does not believe in saving for retirement can decimate an otherwise great retirement plan and account. Adult children lacking financial stability and relying on their parents for financial help can, also, sabotage a retirement savings account.

Are These Reasonable Retirement Goals?

It is essential to have an "emergency fund" separate from a personal retirement account. Unforeseen expenses have occurred throughout our lives. There is no reason to expect that trend to end. (and more) 

Chapter 6 - Is Living Paycheck to Paycheck in Your Future?

Having retirement finances under control requires discipline. That means establishing a budget and not living paycheck to paycheck. Two in five households acknowledge that there is "too much month at the end of the money".

One in three in the over 55 age group claim to live paycheck to paycheck. What will happen to them when there is no paycheck?

A recent respondent to a financial website, when discussing this subject, admitted that his having difficulty surviving to his next paycheck was his fault. For years, he just didn't think getting old would happen to him. Dah! Not saving and spending every cent that he made was fun. Now as he nears retirement he is very concerned about the future.

Plan for Retirement! It is Your Future.

Unless we die young (I consider under 60 as young), most of us will eventually retire. To not prepare for that which is likely doesn't make sense to me.

Inadequate retirement savings, however, can be a huge concern. The solution is to plan for the inevitable.

I was among the fortunate. My parents were frugal. They were not immigrants. But, they were like so many immigrants who adopted the financial opportunities available when arriving in the United States and would not give up the austere traditions of their homeland. My parents were "savers", not "spenders".

My parents also insisted that it would be irresponsible to take out a loan for anything other than a home.  Their theory was that one would need to live somewhere.  So, you could either pay rent or consider your mortgage payment as rent. 

The home would likely increase in value and you would simultaneously be creating equity.  They were both thrifty and wise.  I was fortunate to have them as parents.

Also, while in high school I stumbled across an article on compound interest.  I was also told that investments in the stock market historically returned about 8 percent annually.

With pencil and paper in hand I started plotting the value of $1,000 in one year (8% interest) to be $1,080.  Then after two years it would be $1,166.40 and so on.  Somehow I came up with a future value of about $12,000 by the time I would be 50 years old.  I know now that interest is paid daily or monthly - but I did not know that at the time.

I was more than impressed!  I concluded that I could work for money.  Save it.  And the money could work for me.  Why had no one thought of that before, I wondered.

The Magic of Compound Interest - Again! 

At age 25 start saving $100 each month (8% interest) and at age 65 you will have $349,101. Save $200 each month for $698,202.

Start at age 35 and it will be $149,026 ($100/mo.) and $298,072 ($200/mo.).

Start at age 45 and it will be $58,902 ($100/mo.) and $117,804 ($200/mo.).

Start doing this with your first paycheck and you will have great security and no financial worries in retirement. As your income increases, add to the amount sent to your savings proportionately. Make it an automatic withdrawal from your checking account to your investment account. I refer to this as "paying yourself first".

Remember, it is your money. You are in control and dependent on no one else to receive that money. If Social Security is insolvent, so be it. You won't be. If the eligibility age to get Social Security is raised to 70 or more. You could decide when you choose to retire. You will be in control of your financial future. (and more)

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