1. When is the Right Time to Save? There is never a right time to save until you commit yourself to save first before you spend today.

2. There is never a right time to save until you commit yourself to it. At age 21-30 I can’t save now. I’m just getting my start in life. I don’t make a lot yet and I’m entitled to a little fun while I’m young. There is plenty of time. Wait until I start making a little more. Then I’ll save.

3. There is never a right time to save until you commit yourself to it. Age 31-45 I can’t save now. I’ve got a growing family on my hands. Children and a house cost a lot of money. It takes all I have to keep them going. As soon as they are a little older, it’ll cost less. Then I’ll save.

4. There is never a right time to save until you commit yourself to it. Age 46-55 I can’t save now. I’ve got two children in college. It’s all I can do to pay their expenses. In fact, I had to borrow for their tuition this semester. This is the most expensive period of a man’s life. I can’t save a cent.

5. There is never a right time to save until you commit yourself to it. Age 56-65 I can’t save now. I know I should. But things are breaking like they were. It’s not easy for a man my age to step out and get a better job. I’ll have to ride along where I am. Maybe something will break.

6. There is never a right time to save until you commit yourself to it. Age 66 I can’t save this now. We’re living with my son and his wife. I wish I had started saving 20 years ago but it’s too late now. You can’t save when there’s no income.

7. Start saving and investing while you can. Start saving and investing while you can. This story from life can save other men from making the same mistake. “ Out of 100, only 3 filipinos have the cash to sustain their lifestyle upon reaching the age 65”

8. So, what are you waiting for? “ If you are afraid today, you’ll be more afraid of the future.” You, your money, and what you do with it today will be the only thing you can count on for your future. Since no one is doing it for you, you have got to do it for yourself.