Don't worry about it. It will be fine.

Trust me. I will get to it.

Stop stressing. It is not that serious.

I will get to it when I get to it.

Next year will be a better year for me to try that.

It is very easy to say any of the sentences above. Life makes it very easy to just sail along and see what the end is going to be. When it comes to finances none of this is going to work. We can't just wait to see what may or may not happen because that is the fastest way to go NOWHERE. Times have changed and we have to be more proactive when it comes to our money. When it comes to our financial future.

There are baby boomers today that said in their thirties that there was no need to save outside of their pension. Stressing about investing elsewhere when they had the pension was a waste of time. Now baby boomers in parts of the country are seeing their pensions threatened and they have no money other than social security to depend on.

There are college seniors who are staring down a May graduation and they are thinking back to when they were seniors in high school. They would tell parents and others who told them to apply for college scholarships that they would get to it when they get to it. At the time it was just important to get accepted to the school of their dreams and they would figure out the rest later. Now later has arrived and they are more than $20,000 in debt.

We will say every year that next year will be the year I get my money right. We always say this after we have spent hundreds of dollars on Black Friday and Cyber money. We say this after putting ourselves hundreds of dollars in the hole. We stay in the land of "next year I will." Each year comes and goes and we still don't have an emergency fund, we still don't have a downpayment for a home, we still have not made a dent in our student loans, we still have not saved for our child's college education. We still. We still. We still!

Does it really matter? Yes it does matter because not being proactive with money is a surefire way that we end up being mediocre. Being mediocre with money is not an option in the 21st century. This century will have you depending on a pension that is bankrupt. It will have your children fighting over a your paid off house after you pass away only to find out that your student loans have not been paid and what you own has to pay off what you owe! Being mediocre will have you in college one semester and out the next because state funding decreased and a scholarship depending on that funding is taken away.

Mediocrity when it comes to your money is not the way to go. If you feel that you have just been floating through and not making moves with your finances please promise yourself that you are changing that mentality today!

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