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The most important concept that determines how financially successful an individual/family is going to be is:

* Deferred gratification
* The hardest part of financial independence is not the investing\\u2026 it is the savings factor:
In today\\u2019s world it is getting harder to be a good disciplined financial household.\\xc2 There is so much outside influence and temptation that only the strongest make it (faking success).
**Credit Cards
** The desire to drive a new flashy car
** \\u201cSame as Cash\\u201d for everything including Furniture, Electronics, & Plastic Surgery

For more information, including How to Accumulate $1,000,000 by Age 65, visit the show notes at www.moneyguy.com/2007/09/simple-advice-for-your-finances