"I find that the harder I work, the more luck I seem to have."

That is a quote from the legend himself – Thomas Jefferson, aka The Man. (Even though he did pass away w/ a crap ton of debt!) I like this quote because it really is true – the more work you put in the closer you get to your dreams, and the more “luck” finds you. Every successful person I know puts in their time, the trick of it all is to find something you *enjoy* doing so that it’s no longer “work,” but fun! Or inspiring, or exciting, or it just plain allows you to make a difference in this world of ours.

The same holds true with personal finance. Sure you could win the lottery tomorrow and have all the money you could ever ask for, but will you know what to do with it? Would you become one of those sad statistics where you lose all your winnings only to end up poorer than when you started? I hope not, but it’s something to think about.

The thing I like about hard work is that it forces you to LEARN how the world works. You make exceptional mistakes, but then you turn around and blow the socks off something! It’s navigating through all these bumps and craters in life that really gets you closer to your goals, whatever they may be.

So keep on saving. Keep on investing and experimenting with different ways to get rid of your debt. It’s not always easy, but the payoffs (no pun intended) are guaranteed to be enormous. You might not have the same impact on America as Mr. Jefferson did, but you sure can lead a more debt-free life! And that’s something to be proud of.

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