#2 Lay the foundation: Decide the expenditures you’re willing to eliminate in order to reach your retirement goals.

ThinkstockPhotos-122415962Reschedule your life to start doing the things that build your future. Stop making excuses and start making it happen. Yes, this is a lot easier said than done. It’s a huge mental transaction to move from chasing dreams to learning to make decisions based on facts.

We get blinded into believing there are no alternatives. Take a step out of your life and look around. Is there really no one doing it any differently than you? You may have to be creative, even inventive, and especially courageous to find ways to do what it is you say you want to do. It may upset those closest to you that you’re breaking the old patterns, but eventually those who care for you will see the evidence of your actions. They may even be inspired to take charge of their own futures!

Going from a Saver to an Investor. (2004). The First Time Investor. (3rd ed., pp. 13). McGraw-Hill