A person's financial past, present and future is primarily developed by the "mindset" they developed growing up. "Mindset" is the state of mind you hold and then act upon. These actions, especially financial decisions, is what will allow you to retire wealthy, or retire dead-broke.

Believe it or not the statistics show that 90-95% of Americans retire with less than $20,000 in their bank accounts. This means that these "retired" people must now work.

Do you want to work at age 65?

Changing your mindset will not difficult. It takes consistent, daily actions for at least 30 days before your existing habits become modified for the better. Follow these daily actions for the next 30 days, and watch your view on money change.

Every day for the next 30 days, do not complain about your current financial situation.

Every day for the next 30 days, do not make the statement "we cannot afford that".

Every day for the next 30 days, do not make the statement "money does not grow

Every day for the next 30 days, save $1 to $5 per day and do not touch it. I promise... you will not miss the money your are saving.

Every day for the next 30 days, thank God for what you currently have. Until you appreciate what you have, you will not prosper in life.

Every day for the next 30 days, say "I love money." Wanting money is not bad; greed is.

The above "affirmations" or "thoughts" about money will become reality if you consistently do these actions. The key to changing your finances is to change how you think about money.