One of those small moments that transform life happened several years ago when my accountant made the simple statement that "Your budget decides the size of your dreams."
At the time, Rick had no idea what that would mean to me. We were talking about taxes or whatever, and he threw it out, and we moved on.
But I've never forgotten it.
When I teach my class on personal finances (The Road to Riches), I often hear people talk about how "hard" it is to budget at home or at work. Folks, nothing could be further from the truth!
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