If you are like most normal people, you have to work. You go to work every day. Every week or fortnight or month, you pay a certain amount of check.

You have the charges.
Government, in trying to make your life easier, lifts something like their own without having to verify the third to do anything.

Do you have a problem.
For example, you can get a Speeding Ticket on the day, and then your insurance goes up. Or your car blows gasket. Or you lose your job!

Then you have the desire.
All people do, some more than others. You might desire new living room furniture, new TV or stereo, new clothes ... What's the difference. You can wish all this all at once. Sometimes you can not control myself and one of your desires are filled.

Therefore you have debt!
Debt is the difference between income and expenditure. In most people's day-to-day debt goes on a credit card, and large items like cars and houses to be used in more formal loans. The debt itself is not bad. The problem arises when debt accumulates for no apparent reason. The problems and desires would push your credit card balance upward each month because there is no other place for the money.

Notice what you do not have the above scenario?
There is no mention saving program. Also, the retirement plan. There is no particular hope of achieving future financial goals. No safety net! And most importantly, no peace, no sense of control at their own lives and manage their finances.

Let's face it!
Investment planning is not the choice of activity for many people. If we had our way, for all of our financial lives would magically fall into place. All of our financial needs are met without the hassle of scheduling, even for a minute!

Unfortunately, real life does not work that way!
Make sense of your finances requires more time and effort than ever today's constantly changing economic environment. You probably have many different - and sometimes conflicting - financial goals. Deciding how to meet these goals requires careful planning.

So, it is to solve this problem?
The answer is "maybe !"...
But it requires significant mental shift and if you want to make the mental shift the answer is yes!

It appears this is not to live life. This lifestyle includes the understanding of what you really want to do, and what is really important to you as a person and then work toward those goals, rather than the random test.

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