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It seems as if a million dollars is the magic number. What would you do with a million dollars? It might seem like the answer to all of life's problems. But the fact is, you don't have to look far for a million dollars.
Let's say that you average $36,000 [url=http://www.mansmanifesto.com]www.mansmanifesto.com[/url] a year in earnings. If you work for 30 years before retirement, you will make $1,080,000 in your lifetime. If you work 40 years, you will make $1,440,000.
According to the government, the average disposbale income in the US is around $24,000 a [url=http://www.rivaluta.it/hot/hogan.asp]hogan outlet[/url] year. This is the income that is left after your taxes are paid. That is around 30% in taxes [url=http://www.getconversational.com]hollister pas cher[/url] -- and is [url=http://www.getconversational.com]hollister france[/url] probably accurate.
For simplicity, we won't look at growth and investments. [url=http://www.achbanker.com/home.php]www.achbanker.com/home.php[/url] We will only look at the [url=http://www.achbanker.com/home.php]hollister france[/url] basics of the income earned.
You worked forty years. You made over almost a million and a half dollars. You will pay the government a half a million dollars in taxes. If you have had your million in your lifetime.
If you save what the average American does, you will have saved less than 3%. That is only $30,000 -- if you ignore interest and investment returns. That is all you have left of $1,000,000.
To have $100,000 saved, you will have to save 10% of your income and work an extra 43 years.
At 25%, [url=http://www.eastscotinvest.co.uk/mulberry.html]mulberry outlet[/url] the savings jumps to a quarter of a million dollars saved in 43 years of work. If you factor in basic interest and [url=http://www.mylnefieldanalysis.co.uk/barbour.html]barbour outlet[/url] some investment returns, that could easily grow into a million dollars in savings.
You may be saying that it is nice to play around with the numbers, but it just isn't realistic. I realize that not everyone has [url=http://www.rathmell-arch.co.uk/hollister.html]hollister outlet[/url] 40 to 50 years to save up. Most people can barely afford to put [url=http://www.rtnagel.com/louboutin.php]louboutin pas cher[/url] 10% of their income into savings. But look and see what you can do.
You may not be able to save big, but that doesn't mean that you can't ever have a million dollars. If you set aside a set percentage of your income into a sturdy investment, you will begin to see your money grow for you. The amazing compounding of interest can make a huge difference in your life. And in your future [url=http://www.1855sacramento.com/peuterey.php]peuterey outlet[/url] retirement.
You can dream about having a million dollars, or you can make it happen. Start small [url=http://www.mylnefieldanalysis.co.uk/barbour.html]barbour factory shop[/url] and simple. Keep with it and it will pay off.
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