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	<title>Money Management Software Blog &#187; Financial Freedom</title>
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	<description>Money Management Solutions - The Cash Flow Managing System</description>
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		<title>How To Pay Off Your Mortgage in Half the Time: A Do-It-Yourself Program</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/pay-off-mortgage/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/pay-off-mortgage/#comments</comments>
		<pubDate>Tue, 28 Oct 2008 03:11:54 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Banking]]></category>
		<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Credit]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Housing Industry]]></category>
		<category><![CDATA[Industries]]></category>
		<category><![CDATA[Loans]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[U.S. Economy]]></category>
		<category><![CDATA[amortization]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money Management Solutions]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage accelerator]]></category>
		<category><![CDATA[mortgage payoff]]></category>
		<category><![CDATA[Sandra Simmons]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/debt-consolidation/pay-off-mortgage/</guid>
		<description><![CDATA[I recently received an email from a visitor to my Money Management Solutions website who wants to learn how to pay off her mortgage quickly without having to attend expensive seminars or buy expensive software to do this trick. I realized that this was a question a lot of people might have, especially during this current economic crisis. I decided to share my answer here for that reason. Brenda asked Sandra Simmons: Is there some sort of &#8220;mortgage accelerator&#8221; program where your mortgage gets paid off in a fraction of the usual 30 years time? I want to learn how I can do this myself for my mortgages. — Brenda B. Answer: Brenda: You can do this yourself by making extra principal payments each month. Example if your mortgage payment is $2,000:  If, when you make the payment for 8/1, you include an extra payment for the principal due 9/1 of [...]]]></description>
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		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Money Management: Budgeting Software Is a Misunderstood Concept</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/money-management-budgeting-software/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/money-management-budgeting-software/#comments</comments>
		<pubDate>Thu, 25 Sep 2008 00:05:32 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Accounting]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Business Software]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[accounting software]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[budgeting software]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Microsoft Money]]></category>
		<category><![CDATA[Quicken]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/small-business-money-management/money-management-bugeting-software/</guid>
		<description><![CDATA[I find I cannot withhold my comments any longer on this topic of budgeting software. I see too many articles that pretend to be about budgeting software when the author knows nothing about what the word budget actually means. I don’t like it when incorrect information is served up to the public. Here are some examples of what I find offensive: A recent article posted on the internet states that “Budgeting software is a computer program that creates a profit or loss plan from data entered into the software. Some of the data to be entered may include earnings and expenditures.” Sorry, but that is NOT budgeting software, that is accounting software. The correct definition of the word BUDGET is: the amount of money it takes for the organization or household to function, and to attain its goals. Here’s the good news: living on a budget does not mean you [...]]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/small-business-money-management/money-management-budgeting-software/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Money Management: What Is The Price of Financial Freedom</title>
		<link>http://moneymgmtsolutions.com/blog/financial-freedom/financial-freedom/</link>
		<comments>http://moneymgmtsolutions.com/blog/financial-freedom/financial-freedom/#comments</comments>
		<pubDate>Wed, 17 Sep 2008 17:55:37 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Economic Crisis]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[U.S. Economy]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[constitution]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[John McCain]]></category>
		<category><![CDATA[Obama]]></category>
		<category><![CDATA[President]]></category>
		<category><![CDATA[Presidential Campaign]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/financial-freedom/financial-freedom/</guid>
		<description><![CDATA[While the media is spinning story after story about the Presidential Campaigns, and Obama and McCain are chanting “Change, Change, Change,” I am asking “How, How, How are you going to do that?” First, and most obvious, there is no power vested in the power of the President to enact law. That power is fully invested in the power of the Congress according to our Constitution. Let me repeat that. The Constitution does not empower the President to make law. Executive Orders issued by the President that bind the entire nation are illicit because, as noted above, “All legislative powers” are possessed by Congress. An Executive Order that binds only the employees of the federal government (such as granting a holiday) is proper because the President should be considered to be the holder of power much like that possessed by the CEO of a company. But the entire nation is [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Are You a Gratification Groupie Or A Genius?</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/money-management/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/money-management/#comments</comments>
		<pubDate>Wed, 02 Apr 2008 13:52:08 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[invest]]></category>
		<category><![CDATA[millionaire]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[retirement savings plan]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/money-management/</guid>
		<description><![CDATA[There is only one thing that separates you from the people who have the money you wish you had. It is not talent, skill, the things you own or the connections you have. It is the MINDSET. What do I mean about mindset? The way you use money immediately tells me if you are a Gratification Groupie or a Genius. Here is how I define those terms. Gratification Groupie – Overspending is a habit and money runs through your hands as fast as it arrives buying ‘stuff’ that you want but do not actually need. You think it is important to impress others with the material things you own. You follow the crowd and do what they do – shop, shop, shop, spend, spend, spend. You may give the appearance of having money, but you are drowning in debt that you cannot pay off. You look for ways to spend [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Money Management &#8211; Top 7 Actions to Guarantee You Will Be Broke</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/top-7-actions-to-guarantee-you-will-be-broke/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/top-7-actions-to-guarantee-you-will-be-broke/#comments</comments>
		<pubDate>Wed, 05 Mar 2008 03:31:26 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[broke]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[debts]]></category>
		<category><![CDATA[economic trap]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[money problems]]></category>
		<category><![CDATA[poverty]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/top-7-actions-to-guarantee-you-will-be-broke/</guid>
		<description><![CDATA[So you want to be broke, have no money,  and stay in the economic trap? Here are the top 7 actions you can take to insure you have NO MONEY and are living in poverty. 1. Spend every dime you make and deny yourself nothing; buy stuff whether you need it or not. 2. If you have any money in the bank or room on your credit cards, go out and spend it. Don’t worry about emergencies that may come up. When they do, borrow more money to handle it. 3. Work to make just enough money to barely pay your bills and be sure to spend your free time out spending money. Don’t stress over the yearly increase in the cost of living. 4. Use your credit cards to pay for essential items like gas and groceries, and to do impulse shopping for things you want but don’t need. [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Bankrupting of America – Ron Paul Speaks Out</title>
		<link>http://moneymgmtsolutions.com/blog/debt-handling/the-bankrupting-of-america-ron-paul-speaks-out/</link>
		<comments>http://moneymgmtsolutions.com/blog/debt-handling/the-bankrupting-of-america-ron-paul-speaks-out/#comments</comments>
		<pubDate>Thu, 03 Jan 2008 17:38:58 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Debt Handling]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[Taxes]]></category>
		<category><![CDATA[baby boomers]]></category>
		<category><![CDATA[bankrupt]]></category>
		<category><![CDATA[dollar]]></category>
		<category><![CDATA[federal reserve bank]]></category>
		<category><![CDATA[medicaid]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[Money Management Solutions]]></category>
		<category><![CDATA[social security]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/the-bankrupting-of-america-ron-paul-speaks-out/</guid>
		<description><![CDATA[If you would like to know just how bankrupt the US is &#8211; with future committments for medicare, medicaid and Social Security for the 78,000,000 baby boomers who will start tapping the system starting January 2008 &#8211; you&#8217;ll want to check out these 2  short videos by David Walker, Chief  Comptroller for US General Accountability Office. According to the video, between 2000 and 2005, the US incurred 26 trillion (yes, trillion) additional future debt. No wonder why the Dollar is falling hard against foreign currencies. http://www.youtube.com/watch?v=DXr_Ga_n0pY&#38;feature=related Lastly, if you have always wanted to get de-mystified about the Federal Reserve Bank &#8211; and how a small group of private individuals have bankrupted America &#8211; you won&#8217;t want to miss this video featuring Ron Paul: http://video.google.com/videoplay?docid=5232639329002339531 &#8220;It is well enough that people do not understand our banking and monetary system, for if they did, I believe there would be a revolution before [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>BUDGET Is Not A Four Letter Word</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/budget-is-not-a-four-letter-word/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/budget-is-not-a-four-letter-word/#comments</comments>
		<pubDate>Mon, 24 Dec 2007 23:20:28 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[company]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[financial]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[millionaire]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Ways to use your money]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/budget-is-not-a-four-letter-word/</guid>
		<description><![CDATA[Want some really good News? Running your business on a budget does not entail cutting back on the quality of the things you buy or denying your company anything it needs to operate. What it does mean, is that you have to figure out how to make enough money to afford the items your company has to have and to keep your spending within the limits of your income.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>The Ultimate Wealth Building System</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/the-ultimate-wealth-building-system/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/the-ultimate-wealth-building-system/#comments</comments>
		<pubDate>Tue, 13 Nov 2007 03:16:31 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Money Management Software]]></category>
		<category><![CDATA[Money Management Solutions]]></category>
		<category><![CDATA[savings]]></category>
		<category><![CDATA[ultimate wealth building system]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/the-ultimate-wealth-building-system/</guid>
		<description><![CDATA[Most people search for the ultimate wealth building system for most of their lives. It may surprise you to know that you own half of it the day you are born.]]></description>
		<wfw:commentRss>http://moneymgmtsolutions.com/blog/small-business-money-management/the-ultimate-wealth-building-system/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Business Money Management &#8211; How To Start Your Own Retirement Savings Plan</title>
		<link>http://moneymgmtsolutions.com/blog/small-business-money-management/how-to-start-your-own-retirement-savings-plan/</link>
		<comments>http://moneymgmtsolutions.com/blog/small-business-money-management/how-to-start-your-own-retirement-savings-plan/#comments</comments>
		<pubDate>Fri, 25 May 2007 11:16:59 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Business Money Management]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Financial Management]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Small Business Financial Management]]></category>
		<category><![CDATA[Small Business Money Management]]></category>
		<category><![CDATA[business money management]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[Donald Trump]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[retirement savings plan]]></category>
		<category><![CDATA[savings plan]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=17</guid>
		<description><![CDATA[You know your business money management plan should include a retirement savings plan for your financial security. Here’s how to start one FAST! The old saying, Pay Yourself First, is some of the best business money management advice you will ever get. If you don’t pay you into a retirement savings plan, who will? How do you do that? Here’s how. Your Business Money Management Planning Should Include A Savings Plan Out of every bit of income that comes in the door, immediately carve off 10% and put it in a savings account that you have designated for your long-term wealth building plan. I know that is a scary idea for a lot of business owners who have debt and past due bills to pay. My advice? JUST DO IT! As the weeks and months go by you’ll find you have adjusted to operating on 90% of your income. The [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gaining Financial Freedom (Part 3) The Road Out</title>
		<link>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-3-the-road-out/</link>
		<comments>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-3-the-road-out/#comments</comments>
		<pubDate>Mon, 01 Jan 2007 17:02:22 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[savings]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=9</guid>
		<description><![CDATA[In pursuing financial freedom, typically at least 10% of a person’s income is wasted on things that would never be missed if they were never purchased. The question then is, “How could that 10% best be redirected to help you gain your financial freedom”? Gaining Financial Freedom &#8211; Step 1 The first step on the road out to financial freedom starts with discovering your true purpose; finding the thing you would be glad to hop out of bed in the morning to get working on, or to stay up late for to get one more thing done. Gaining Financial Freedom &#8211; Step 2 The next step is finding out exactly how much income you need to meet your Income Planning Target on a weekly basis. That&#8217;s the missing ingredient: How much did you spend, exactly, on each type of expense over the past year? Include the expenditures you put on [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Gaining Financial Freedom (Part 2) The Missing Ingredient</title>
		<link>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-2-the-missing-ingredient/</link>
		<comments>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-2-the-missing-ingredient/#comments</comments>
		<pubDate>Fri, 29 Dec 2006 14:57:12 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[income planning target]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=6</guid>
		<description><![CDATA[Your resources to fund your financial freedom are disappearing minute by minute. FACT: You spend a portion of our income every minute of every day. Even when you are at home sleeping, you are spending on the office  and the utilities to make that office comfortable. If we have debt, then we are spending on one more minute of interest to carry that debt. The question then becomes “How much income do you REALLY need”? Finding the EXACT answer to that question is the missing ingredient to achieving your financial freedom. UNDER-estimating the amount of cash flow you need can be fatal to achieving your financial freedom goals. It’s easy to forget the small bits of money that constantly leave your hands and is never added up. A mis-estimation of how much you need to make is the amount that usually ends up on credit cards or lines of credit [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Gaining Financial Freedom (Part 1) Discover Your Purpose</title>
		<link>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-1/</link>
		<comments>http://moneymgmtsolutions.com/blog/building-wealth/gaining-financial-freedom-part-1/#comments</comments>
		<pubDate>Wed, 29 Nov 2006 14:50:29 +0000</pubDate>
		<dc:creator>Sandra</dc:creator>
				<category><![CDATA[Building Wealth]]></category>
		<category><![CDATA[Financial Freedom]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[cash flow]]></category>
		<category><![CDATA[income]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[wealth]]></category>

		<guid isPermaLink="false">http://moneymgmtsolutions.com/blog/?p=5</guid>
		<description><![CDATA[We spend a huge percentage of our lives working and earning income &#8211; all in pursuit of financial freedom. The question that begs to be asked is “What are you financing with that income”? A typical individual today works an average of 52 years during their lifetime to have the money to pay the bills each month and to accumulate enough for retirement so they can pay the bills until the end of their days. That is a form of slavery to the current, agreed upon economic system. A person working just to pay the bills is, to a large degree, financing the purposes of others. Doesn’t it make sense, then, to figure out what YOUR real purpose is and finance that? If you had the financial freedom to do anything you wanted, what would you be doing? Figure that out, and you are right on top of your PURPOSE. [...]]]></description>
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