About 10 years ago, I found clients saying I don’t have any money to save. Their savings programs had gotten to a standstill. And when it came to planning for the future it was embarrassing. “It” was not in the plans, no matter what, if you know what I mean. Moreover, they had no answer to, how to save more, how to keep their current life style, and how to prepare for their future? They tried everything…extra job, home based business, e bay, any way to have extra money. This worked with the sacrifice of family and free time. I wanted to find a way to help and I did. Now with the help of the internet I'm trying to help as many people as I can to prepare for their future. I was introduced to financial planning late in my life and have had to play catch-up. If I can share the knowledge I have learned over the last ten years with you and it helps you to start your planning early so you are not like me then we will both win.