this kind of stuff is logical and well talked about, covered, written about, etc. just takes dedication and commitment.. the main reasons why people fail at any thing. so what's the big deal?
Exactly -- I've heard all throughout my life that if I start saving early it will be no problem to become very rich in 15-25 years. Although back when I first was hearing this information I didn't know anything about Roth IRA and all that stuff. I actually still don't know much of anything about them, but at least I know they exist now.
I'm particularly fond of David Ramsey's book The Total Money Makeover
, which has great advice on how to get out of debt, keep a budget, and start saving money in a way that will get you plenty of money over a couple decades.
David Ramsey was a person who had assets of about $4 million but lost it all and went bankrupt due to poor spending and deep debt and has since, in about 15 years, become a multi-millionaire, so I tend to believe his advice. Be warned that the first chapter or two sounds just like an infomercial so you'll probably start feeling like it can't be believed, but once you get to the meat of the book it really seems like sound advice.