Are you one of those people who say, I don’t earn enough, I’ll never be able to save enough for my retirement? If so, stop a second. It is amazing how much you can do with what you have. Remember that, if you have a salary, you are a lot better off than so many millions of South Africans and the billions of others who don’t. You just need to maximize the difference between what you earn and what you spend. Your monthly income is the key to getting to where you want to be. You need to prioritise getting debt free and then use the power of savings and wise investing to make money work for you. Don’t be fooled by quick get rich schemes. They are dangerous and you will kick yourself if you hand your savings to someone who makes promises that sound too good to be true. Just follow the old fashioned advice of yesteryear and carefully save as much as you can every day, look after the pennies, the rest will take care of itself.