Consider that most people are spending their livings paying freight for borrowing 'other people’s money".

If you save and invest, other people are paying you to use your money. It’s a lot more fun to see your money working than having to work yourself.

It gets harder to amass wealth as you get older. If you wait until you’re 32 and put away $4000 at 10%, you would have about $975,000, still a respectable amount.

At 42, you’d only be able to accumulate approximately $350,000.

If you’re 50 and can start putting $5000 (those over 50 are allowed "catch up contributions") away today, you’ll have around $175,000 at age 65.

Everyone knows that Social Security is not going to allow for a comfortable retirement. Even if plan can continue to pay out forever, which is questionable right now, money you receive will be far from generous and is subject to taxation.

You might have a good pension plan at work now, but will you be able to hold your current job to retirement?

If you have a Roth IRA, you can withdraw money tax free after age 59 ½. Imagine having a million tax free dollars you can play with. It will well make up for small sacrifices you have to make to get there.

No matter what your age, start saving what you can now - today. Even if you only amass $100,000, you’ll be better off than most people entering retirement.

If you are opening your own new home business, credit services can help you acquire business loans and help you manage your business finances. Credit services usually employ finance professions who can help you understand your situation and help you build up your credit score.

The credit services you need will depend on your situation. If you have a low credit score you can use a credit repair service to guide on how to fix your situation. If you end up getting into unmanageable debt, debt and credit counseling services can help you out.

A credit report service can help you analyze your credit report. If you have mistakes on your report, a credit report service can help you dispute those items. The fees may differ from company to company.

A credit report monitoring service can periodically review your credit report for you. They can pick out major changes and inform you about them, such as inquiries on your report.

Managing credit on your own is often difficult and confusing. Many people end up with huge debt burdens due to misuse of credit. Credit services can help you in whatever situation you find yourself.