I was recently invited to a business conference in Swaziland at which a fellow speaker, a prominent businesswoman, got up on stage and talked about how one of her keys to success had been her ability to consistently save 70% of her income. This strategy had helped her move from rags to riches. She maintained this was an important way to look at income, irrespective of how wealthy one becomes. When the figure of 70% was mentioned, the response from the room was a sigh of disbelief. It was difficult for many to conceive how someone could save with such discipline and commitment. But we should be asking ourselves why such behaviour is not the norm. We have comfortably moved into a state of being where it is the norm to spend most of what we make. We are living beyond our means and continuing to increase our already high levels of indebtedness. Then we wonder why we do not have the financial flexibility to achieve the legacy we would like to have in life. Our financial means exist to en...

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