Today, investors sacrifice and spenders enjoy. Tomorrow, investors enjoy and spenders keep working. If you buy a house today, you may have to work two jobs to make the mortgage payments now but you may own the house without debt in twenty years. If you give up TV tonight, you can take an evening course and in six years earn a college degree. If you start training today, you may be sore tomorrow and a black belt in four years. Invest in yourself.

Most wealthy people save between 15% and 20% of their income. Invest in fields in which you have a specialized knowledge. If you sell cars, invest in the auto industry. If you are a real estate broker, buy income properties. Be sure to diversify your holdings by investing in a retirement plan and a no-load mutual fund. There is a time value to money, so the earlier you start investing the better. Invest in things that appreciate rather than spend on things that depreciate. Secure your own retirement.