If You Find A Penny…

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The saying goes, “If you find a penny, pick it up and all day long you’ll have good luck.” Most people won’t admit it, but whenever they are having problems with money there’s a part of them that hopes I, their financial consultant, will have some special elixir or magic wand that solves these problems. The truth is, I don’t.

The real truth is that being successful with money has nothing to do with luck — and that’s a good thing. If success with money was only up to fate or chance, then you or I really couldn’t do anything about it. If we found ourselves in a “financial pickle,” there’d be no way out for us if we weren’t already rich or simply lucky with money. What would be the point of saving or investing or spending wisely? Who would set aside money for retirement or education or even a rainy day in this case?

I know who wouldn’t: all the folks who secretly believe in this “luck” idea. Handing over their financial faith entirely to luck is their way of avoiding the hard reality: money is earned, and money is managed — by the beholders. Frighteningly enough, over 64% of Americans reported they don’t even have enough cash on hand to handle a $1,000 emergency! That’s so alarming I’ve got to repeat it.

“Over 64% of Americans reported they don’t even have enough cash on hand to handle a $1,000 emergency.”

Now, what if I told you it wasn’t all luck, and we COULD do something about it? And this is the key: the only way you can learn to be good at money is to first believe that you have some power to make change — literally. Mastering money has nothing to do with whether or not you were born wealthy, tall, male, caucasian, smart, on the right side of town, you fill in the blank. It doesn’t even depend on whether or not you make less money or more money. Yes some people are wealthier than others and those factors may have influence; but that’s it, just influence.

“Mastering money has nothing to do with whether or not you were born wealthy, tall, male, caucasian, smart, on the right side of town, you fill in the blank.”

Being “good” with money is available to anyone. YOU have the power to be successful with money. Everyone does. And the ways to do that are surprisingly simple. But knowing it’s up to you and not up to luck is the very first step. The next time you find a penny in the street, pick it up and put it in a jar at home. It may not bring you luck but it will make you one penny richer.

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