Githens & Associates

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I specialize helping families develop strategies and options to meet their financial goals. There is no better financial goal than taking care of the People You Love and Yourself.Here are a few ideas that many of my clients have found of value:How you can reap the upside potential of the stock market, without the downside risk!How to make your money multitask for youHow to maximize your tax-free retirement income - with NO government limits on how much you can contribute right now.How to pay-off your home 5-10 years early, without taking any additional money out of your pockets.The secret to maximizing your retirement benefits. What your accountant isn't telling you!Nearly 60% of the American Workforce has saved LESS than $25,000Paying Yourself Forward is the best way to take care of your future self. I was reading a news story about a Starbucks where the customers were paying for the 'coffee' for the next person in line. That's kinda cool. I also see TV ads, or public service announcements, that ask people to help with education, sports or something similar and end with the phrase "Pay it Forward". I wonder why people will "Pay it Forward" for other people, but so many do not pay themselves forward?So now you're asking, "How do I pay myself forward?" The answer is really very simple, you pay yourself first. Before you pay any other bill, write a check to yourself for $50, $100, $200 or more if you are able. Do this every month, for every month you're working, and you'll always have a pot of cash for emergencies and to meet other financial goals.Saving for the future isn't complicated, but it does take discipline to start and to keep doing it even when it seems Life is getting very hard around you. Nobody gets to retirement and says, "I wish I would have saved less money."Why should you save money now? As you can see in the chart, the earlier you start the greater return over time. Waiting until a better time to start will only cost you more money.