It never hurts to find ways to earn more money for the future. Check out these 8 investing tips for beginners and start bringing in more each year. The average American is saving less money than ever before. As a percentage of their income, it’s down to 2.4%.

INVESTING FOR BEGINNERS. Text on tablet device on a wooden table

With such little capital to work with, many people choose to avoid investment altogether and either ignore their impending retirement or work well into it to make up for the difference.

My neighbor Tom has the biggest heart… and the biggest house, the biggest truck, the most outdoor furniture one backyard can hold, and three garages stockpiled with stuff. He’s our neighbor who loves to host every neighborhood party featuring everything you could wish to eat or drink. He seems to have all the advice on the best vacation destinations. And, he is the first one to give anything away upon casually overhearing that someone is in need.

Although my husband and I do our best to be polite and gracious of his friendship and goodwill, we often wonder at what cost Tom does all of this, both financially and personally. Tom and his wife do well for themselves, this much I know.

The question “how to be rich” is probably one of the most generic questions you’ll ever find. Parents often tell their kids to study hard and get a good grade so they can find a profitable job, but how many people from the working force have actually made a stable income out of their day jobs?

On the internet, you’ll find thousands of articles giving financial advice like investing at an early age, cutting expenses, excelling academically, and so on. The answer lies not in how early you start investing money. Rather it lies in where you invest your money. If that didn’t make sense to you, then you better read on.

Everyone wants to become rich quickly and without effort. But how to become rich? Everyone knows that there is no a definite formula for becoming reach. People get money in different ways. Some of them inherit a fortune from their well-to-do and generous relatives; others have to work hard until they save up some money. It is also possible to win a lottery if you are lucky enough or to rob a bank if you are bold. However, there are some simple steps with the help of which even a child can start earning a lot of money.

The first step in becoming reach is to understand why you need money. If you have no clear aims, it will not work. Try to make a list of your dreams. Set a priority and think carefully what is more important for you. It may seem quite easy and silly at first sight, but it is vital to do this in writing. At this stage, the majority of people find it difficult to identify what they really need. Do not concentrate on those things which you cannot have, think about what you will achieve! It may be helpful to visualize your dreams using some pictures. Knowing what you want is the secret of success.