Managing your money takes time, effort, initiative, and more than a little knowledge, but the most important aspect to successfully manage your personal finances is ATTITUDE. What is the proper attitude to have? I think it’s one that fiercely guards your resources and doesn’t allow anything to drain them away. But, that attitude must be balanced with a spirit of giving and the willingness to enjoy simple things such as eating a $3 candy bar. ^[2]

For too much of my life, I had one of the worst attitudes toward money and today I’m regretting it. It’s the attitude of procrastination.

Here are MY top 5 massive money mistakes:

1. Believing that “future Ron” will be wealthy enough to take care of everything from children’s weddings and college educations to paying off credit cards ^[3] with high interest rates. Today I’m playing catch up. I’m working to increase my Roth IRA contributions so that I’ll have a little more for retirement, I’m very concerned with the kids education even though I have pretty hefty 529 plans on all three. I’m also concerned because my oldest will be wanting a vehicle soon. My daughters will be possibly getting married in about 10 years (hopefully a little longer ).