“If you think health care is expensive now, wait until you see what it costs when it’s free.” -P.J. O’Rourke
Every serious business has a budget to enable them to stay on track and monitor their progress. Yet most employees – and Joe and Joan Average will earn well over a million dollars during their working lives – do not take the time to do a personal budget. All you need to do is spend an hour writing your expected income on one piece of paper and your expected expenses on another. This will become the foundation of your wealth creation process.