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Welcome to Get Creative Finance!

If what you thought to be true turned out not to be true, when would you want to know about it?

Most Americans scrape by paycheck to paycheck and never accumulate enough funds in retirement accounts to support themselves.  They will end up relying on Government programs and may have to substantially cut back on their standard of living throughout retirement. 

Is this what you want in your financial life?  You’ve heard the saying, “those who fail to plan, plan to fail.”  However, what if the PLAN that most people are using is incorrect or misguided?  Then, even those who do some planning may not make it. 

Only about 5% of Americans will accumulate a comfortable level of wealth.  Why is that?  It seems that the 5% know something that the other 95% do not.  They know the rules of money!  Do you?

If 95% of Americans are not accumulating wealth and 5% do, why do most of us listen to the 95% when they espouse “conventional wisdom”?  Ever heard these?

  • Max out your 401(k)
  • Pay off your house as quickly as you can
  • Pay cash for your car if you can afford it
  • Save into a 529 Plan to plan for college
  • Put your money into mutual funds and you will get a 10% (or even higher) return
  • The best way to accumulate wealth is to find the best investments with the highest rates of return
  • Interest rate is the most important variable when financing a capital purchase (house, car, etc.)
  • Rate of return is most important variable in an investment

None of us know everything.  There are things that we know we know, things we know about, and things we have no idea are out there (knowledge that we are not aware of at this time).  We call this the blind spot.

Did you know that the average person will lose more money unknowingly and unnecessarily through transfers of wealth than they will ever accumulate in a retirement account?  Take a look at the Circle of Wealth video below to get a better understanding of this concept.

Circle of Wealth video

“If you only have a hammer, you tend to see every problem as a nail,”
-Abraham Maslow

Have you ever spoken with a financial advisor and gotten the feeling that he was trying to push you to buy a certain product?  Maybe it was a life insurance salesperson, someone who specializes in annuities; or maybe it was even a fee-only financial planner who only recommends no load mutual funds (that he can charge a fee for managing).  Wouldn’t you like to know what is best for you?

If I could send you to play a round of golf at the Masters, golf’s most prestigious event, and I gave you two choices:

  • You could have the clubs of any player who has ever played a round of golf, or
  • You could have the ability of any player who has ever played

Which would you choose?  Of course, you would choose the ability.  The swing is much more valuable than the club.  Check out this next video on Club v/s Swing to help understand how you should approach your financial situation.

Club v/s Swing Video

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