"But I Don't Have any Extra Money to Invest!"


$6 dollar coffee everyday before work comes to 120 dollars a month.
$7 dollars for lunch comes to 140 dollars per month.
$120 cell phone bill per month.
Eating out for dinner once a week at $40, comes to 160 a month.

Times that by 12 months and you are running through 6,480 per year. That money can be used to max out your ROTH IRA for 2016.

You don't have any extra money to invest because you are stuck in a consumer mindset. Use the CEO principle to cut costs all together, or to find a cheaper alternative and invest the surplus in the Vanguard Total Stock Market Index Fund.  Lather, rinse, and repeat till you have F-you money.

From There you are living the NAD, and you can do whatever your heart desires.

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