Think about it this way: if you hire a real estate investment agent that talks down about a property or location instead of highlighting its potential or good points, how quickly do you think it's going to sell? So, make sure your agent is positive and has your best interests in mind. Also, don't be afraid to bargain, negotiate or try to make deals with your real estate investment agent because you never know what someone will accept. It's always better to try than to always wonder how much you could have saved.

2. On Pennies:

3. On Millions and Millions and Millions of Dollars!:

4. Conclusion:

1. On Benjamin Franklin:

In 1757, Benjamin Franklin published "The Way To Wealth", a basic summary of his 25 year “Poor Richards' Almanac.” In "The Way To Wealth", Honorable Mr. Franklin states following:

"Then since, as he says, borrower is a slave to lender, and debtor to creditor, disdain chain, preserve your freedom; and maintain your independency: be industrious and free; be frugal and free. At present, perhaps, you may think yourself in thriving circumstances, and that you can bear a little extravagance without injury; but, For age and want, save while you may; No morning sun lasts a whole day..."

There's a chock full of great wisdom to be gleaned from this paragraph of text. I encourage you to read it carefully, and absorb as much as you can from this man. He was, after all, just a man. But a great man. In fact, Benjamin Franklin believed that you are no different than he. He also believed in hard work, and perseverance, and value of time management. These basic precepts, if mastered, could lead you down same path of immense wealth as Benjamin Franklin.

But for today, I'd like you to focus on last sentence. Mr. Franklin advises that no matter how things may now seem, your own morning sun does not last forever. This means that you simply must learn to recognize value of money, power of money, and wealth that comes, simply by using that power to push future, as opposed to spending it all on wants and desires generated by today. It is now, not then, that you must save. It is through resisting temptations and want, and through saving while you are able and younger, that you can rise beyond your morning sun, and move ever so steadily into a life of wealth and financial prosperity.

Mr. Franklin is also well known for another famous quote:

"A Penny Saved, is a Penny Earned."

I know, I know. This is boring, right? This knowledge is nearly 225 years old, so why pay attention to it now, right? You've heard it a million times, and saving money has never solved your problems before, right?

I hear you cry. But let’s put a 21st century spin on whole thing. Taking a few, very simple, very painless steps...Will move you passively, gently, and effortless towards becoming prosperous. All, through accumulation of compounding pennies.

2. On Pennies:

{I'm going to speak of 401K, but whatever your company or employer offers, whether it's a 403B or otherwise, same principles apply.}

You just simply MUST participate.

I used to be a manager in a very large corporation, and I believed firmly that I was just as responsible for my employee's personal finances, as I was for their work product. I would not settle for a simple year-end discussion about available 401K program. I would mentor each employee, weekly, until they either quit from sheer exhaustion, or participated in 401k. Why? Because, I knew that this one thing would change their lives, forever. And it's true. It does. Even to this day. One gentleman, for example, I still stay in contact with. He's accumulated thousands of dollars of basically FREE MONEY, and he hasn't stopped thanking me ever since. It makes me feel great. It was such a simple thing, something that any of us can and should do, and yet, if I never did push him towards making this commitment, who would have? Where would he be now?