Do you worry about not having enough money? Not the money to go for vacation in Hawaii or get the latest Porsche sports car. I’m talking about the money you need for retirement, for your kids, for yourself to live comfortably. I bet the answer is a big YES! for most people. It’s difficult to not worry about money when the economic recession is still killing every single company, even the big ones. What can you do about it?

It's clear that investing is one of the most dreaded thing in personal finance. After all, your retirement nest egg could lose 30% value overnight, if you don't know what you're doing.

Trying to save on everything is like trying to do ten things at once, you will most likely fail at all ten. A better way to do it is to use what I call the "Laser Focused Savings Technique".

I recently sent out a survey to you and other subscribers about what personal finance topic you would like me to cover on this blog. Unanimously, all of you said "earn more money". It surprised me a little, as I thought there would be at least some folks who would say "investing", "getting out of debt", "saving money on commute” and others. But the truth is: You will also earn more money by doing all those!