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Turn Things Around in 2013!......a 40-year-old making the average annual salary of about $40,000 could save $950,000 by the age of 65. But you must start right away.

Dave Ramsey's Baby Step 4 - Invest 15% Of Your Income For Retirement

Baby Step 4 in Dave Ramsey’s bestselling book and system, The Total Money Makeover, is to invest 15% of your gross pay in good growth stock mutual funds. While it is just a rule of thumb, he recommends 15% of your gross pay and not your net pay which means that you calculate the investment before taxes.

Show your kids this amazing comparison chart to illustrate the power of starting early when it comes to investing. Then open a Roth IRA as soon as they earn W2 income. (See:

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Listed are 12 mutual funds that have averaged 12% for the past five years. Maybe Dave Ramsey isn't as crazy as many people think.

12 Apps That Will Help You Save More Money

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