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Im so worried about you right now. The savings rate this month hit a low of 2.7%. This is an unbelievable and ridiculous warning sign that I told you about last weak. This is a warning sign. Pay attention. We are back to spending money on nonsense. Im worried about what position this puts you in going next year and two years from now, particularly into retirement. You know im about production first. You know im always talking about increase your income. You know you gotta increase your income. Money is like fitness. See you don't diet first. You wanna get in shape, this is what you do. You go out and you start working out. You don't diet first. Thats why diets dont work because the guy is trying to diet and not workout. First thing you wanna do is go start pumping some iron, running, working out, produce. See money is like fitness. First thing you wanna do with money is what? Go out and produce and get money. See first you exercise. That doesn't mean you dont watch what you eat. You gotta workout, watch what you eat, produce, cut out the bad foods, and then eat good and rest. Thats very much like money. With money you want to produce, increase your income. Second thing you want to do is cut out all bad spending and bad debt. And the third thing you want to do is contract your spending as much as possible so all this new production and new money is able to be saved and invested because thats the fourth step, to have money to invest and you don't have it! America is back to the savings rate that it was at back when we had this problem in 2008! When people were buying porsches and cars and country clubs. Dude, it was out of hand and your getting out of hand again. Now I'm telling you. Get your money handled. You know my father told me when I was six years old, "watch the pennies, and the dollars will take care of themselves." And I used to make a joke, I'm like, dude who's worried about pennies? I'm worried about big money! But the reality is this. When you watch pennies, nickels, and dimes, and quarters, your gonna pay attention to the bigger flows. People that are not disciplined with money, don't end up with money. People that waste money on dumb things, don't end up with money. There's something universal about money. Wasted, somebody else gets it. So on your money, increase your income, get rid of your bad debt and handle your spending. Its dumb to spend money on things that don't increase your income. Ok, get it handled!

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