The principles of achieving financial independence and a financially secure retirement are the same throughout the developed world. The key essentials have been known for years, and a moments reflection will show why these have stood the test of time.
Personal Finance Secret #1 - Spend Less Than You Earn
This is the big one. In terms of personal finance, Charles Dickens' fictional character Micawber summed it up when he stated:
"Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and sixpence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and sixpence, result misery."
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