There are many reasons why its so hard to get ahead in today's world, but the problem start in our way of thinking about finances.

Today’s generation fears not that they won’t have something, but that they won’t have everything. Twenty-five percent to 50 percent of purchases are unplanned. What’s the big deal? The average American will retire with only $57,000 to live on.

Reality Check - Whether retirement is just around the corner or have many more years to go, setting yourself up for retirement is key and must start now.

A young man got into a car accident resulting in many bedridden months in the hospital and $100,000 of debt in hospital bills.

Pathfinder operates on 10 principles originating from books “Money Mastery” by Alan Williams and Peter Jeppson and “The Richest man of Babylon” by George Clason as well as information I’ve learned over the years.

When I started saving, I wasn’t saving much.

Schools do not teach thrift: college, high school, junior high—our system doesn’t place a high priority on frugality. And what a shame. We should put money aside regularly using a simple system—pay yourself first.

By 2015, 77 million Americans will be over 50 years old and only approximately one-third of them will be able to retire.

It will take you on average between 25 to 30 years to pay off your credit card at the minimal amount. This will not do.

Manage yourself and your money. Money is like food; we don’t eat only when we’re hungry, and we certainly don’t spend only when we need something.