How To Become Rich Without Even Trying

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Last Updated: Jan 2, 2016

What a wonderful title. But the truth is, the method to become rich without trying in this article has the same idea as any other get rich articles out there. Only, this article’s title has a better twist to it.

Everybody wants to become rich without trying. This may be dreamy, but getting rich really is easy.

Here is what you have to do:

Contribute a higher percent of your income to your 401(k). Instead of paying all your money to bills and buying things you actually don’t need, pay yourself first by investing a bigger percent of your income to your 401(k) plan. It will not just give you a bigger retirement lump sum; it will give you many other benefits as well. This will help you develop the habit of saving effortlessly. This will also decrease your tax drastically, because the percent you contribute will be deducted first in your income and your tax will be based on the spendable income left after your 401(k) contribution is deducted. Plus, there are other companies that will match your contribution, which could help you double your 401(k) investment.  

Invest your money in stocks and don’t sell just yet. The stock market is volatile and the graph slopes can go up and down in a short period of time. So, when you invest in stock, invest for the long term and don’t sell until 30 years later.

Stretch your student loan payments. If you can pay your student loan right away, then by all means go ahead. If paying it quick is a struggle, stretch it out to the lowest monthly payment. Some of the payment you give can even be tax deductible.

Pay your credit card debts quick. These are not tax deductibles, and since you have stretched out your student loan payment plan, you will have enough money to pay this debt. Stay out from this type of debt quick.

Eat at home than in restaurants. Splurging occasionally is inevitable, but if you keep eating outside, you will be spending too much. Learn how to cook and eat at home to have enough money for savings and investment, or even for paying off debts.

Make wise consumer purchase decisions. The best definition for advertisement is making people buy things they don’t need with the money they don’t have. Don’t be brainwashed by advertisements and buy things you really need only when you have enough cash in your pocket. 

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