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　life　insurance。　The　book　could　not　becomplete　without　it。　

（Keep　in　mind　there　are　only　two　ways　to　earnmoney：　people　at　work；　or　money　at　work。）　

You　will　be　happy　to　know　the　remainder　of　thisbook　is　designed　for　the　person　who　is　going　to　LIVE。　

Bloom　Where　You　Are　Planted…Start　Now！　

When　do　you　start　to　live　this　good　life？　Is　that　thequestion　you　are　beginning　to　ask　yourself？　You　startnow。　

Start　by　answering　the　following　questions：　

How　often　do　you　pay　your　phone　bill？　
How　often　do　you　pay　your　rent　or　mortgage？　
How　often　do　you　pay　your　grocery　store？　
How　often　do　you　pay　for　gas　for　your　car？　
How　often　do　you　pay　your　doctor？　
How　often　do　you　pay　yourself？　

That　last　question　seems　like　a　strange　one；　doesn'tit？　But　do　you　realize　that　less　than　5　people　in　every100　ever　pay　themselves。　And；　if　you　were　to　ask　theother　95　why　they　don't；　they　would　probably　tell　youthat　by　the　time　they　pay　everyone　else；　there　is　nothingleft　for　themselves！　

Clearly；　those　4　or　5　people　in　every　100　who　do〃pay　themselves；〃　have　found　a　way　around　this　problem。
Although　the　idea　which　they　are　employing　has　beenaround　for　centuries；　hardly　anyone　today　is　aware　of　it。




What　is　that　idea；　you　ask？　Simply　put　it　is　this：　

〃They　pay　themselves　FIRST！〃　

（This　is　better　known　as　the　Babylonian　law　offinancial　success。）　

A　Part　Of　All　You　Earn　Is　Yours　To　Keep　

If　you　think　about　it；　you　must　admit　this　〃law；〃　orprinciple；　makes　a　lot　of　good　sense。　Therefore；　let　merepeat　it　…　〃A　part　of　all　you　earn　is　yours　to　keep！〃　Morespecifically；　what　you　earn　Monday　morning　is　yours　tokeep；　so　it　should　go　directly　into　a　special　account　thatyou　do　not　have　easy　access　to。　

Your　Financial　Independence　Account　

What　you　earn　on　Monday　morning　probablyrepresents　ten　percent　of　your　income。　Therefore；　youshould　pay　yourself　at　least　that　ten　percent；　right　off　thetop　（i。e。　not　after　everyone　else　has　been　paid）。　

From　your　〃Financial　Independence　Account；〃　youfirst　pay　your　insurance　premium；　because　thatinstrument　creates　your　〃Instant　Estate。〃　The　remainderof　the　money　then　goes　into　savings；　until　such　time　asyou　have　accumulated　enough　capital　to　make　a　wiseinvestment。　Remember；　you　do　not　〃touch〃　this　accountor　the　interest　it　will　yield。　Therefore；　within　a　very　shortperiod　of　time；　you　will　witness　sufficient　progress　to　gainthe　motivation　and　inspiration　which　you　need　tocontinue。　Moreover；　the　knowledge　that　you　have　an〃Instant　Estate；〃　if　anything　should　happen　to　you；　willgive　you　additional　serenity　of　mind。　

Orderly　Debt　Repayment　Program　

You　could　already　have　debts　that　seem　to　be　eatingup　your　entire　paycheck；　leaving　nothing　for　yourself。




But　understand　this…these　debts　can　be　retired。
（Although　the　amount　of　debt　you　have　incurred　will；　ofcourse；　determine　the　length　of　time　it　will　take　you　toclear　the　slate。）　And；　for　the　purposes　of　the　followingdiscussion；　you　must　consider　your　mortgage　or　housepayment　（probably　one　of　your　largest　monthlypayments）；　as　an　investment；　NOT　a　debt。　

Debt　Clearance　Account　

Whatever　money　you　earn　Monday　afternoon　andTuesday　morning；　should　go　directly　into　your　DebtClearance　Account。　This　represents　twenty　percent　ofyour　income。　You　should　also　sit　down　and　draft　a　letterwhich　you　will　send　to　all　of　your　creditors；　advisingthem　of　your　plan。　

However；　before　you　mail　the　letter；　you　should　firstdraw　up　a　list　of　your　creditors　to　determine　whatproportion　of　this　twenty　percent　each　of　them　wouldreceive。　It　could　conceivably　be　more　money　than　theyare　presently　receiving；　or　it　could　be　less；　but　whicheverway　it　works　out；　that　will　be　the　sum　of　money　they　willeach　receive。　Nevertheless；　whatever　sum　they　do　receive；
they　will　receive　it　regularly；　on　the　stipulated　dates。　

The　following　is　a　sample　letter　you　could　use　as　aguide　in　drafting　your　own　letter：　

Dear　Whomever：　

As　you　know；　I　am　in　debt　to　you　for　
________；　and　I　intend　to　pay　you　in　full；　plus　
interest。　In　order　to　achieve　this　goal；　I　have　
been　devising　a　plan　during　the　past　few　days　
to　put　myself　in　a　stable　financial　position。　To　
this　end；　I　have　opened　a　〃Debt　Clearance　
Account〃　（DCA）；　and　twenty　percent　of　my　
income　is　going　directly　into　that　account。　
That　will　enable　me　to　have　sufficient　




resources　to　live　on；　without　worry　or　stress；　
and　it　will　prevent　me　from　falling　further　into　
debt。　

Each　week　（or　month）　you　will　receive　a　
check　for　_____　from　my　〃DCA；〃　until　my　
account　with　you　is　clear。　I　am　aware　that　this　
is　not　the　figure　I　had　previously　agreed　to　pay　
you；　but　I'm　sure　you　will　be　understanding；　
and　appreciate　what　I　am　doing。　

If　you　have　any　questions；　please　feel　free　
to　contact　me。　I　am　quite　excited　about　my　
new　plans　and　if　you　would　like　to　have　me　
review　them　with　you　so　that　you　might　help　
others　who　are　in　your　debt；　I　would　be　
pleased　to　do　so。　Thank　you　in　advance　for　
your　kind　cooperation。　

Have　a　wonderful　day！　

Sincerely　

John　Doe　

Understand　that　your　letter　to　your　creditor　is　astatement　of　fact　and　not　a　request…it　is　you　who　is　incharge　of　your　finances；　not　your　creditors！　

Be　sure　to　have　your　letters　neatly　typed　andenclose　your　first　new　payment　with　your　covering　letter。
Realize　there　is　an　〃outside　chance〃　that　someunreasonable　person　will　not　want　to　cooperate　with　you。
They　might　even　go　so　far　as　to　phone　you　and　attemptto　intimidate　you　with　threats　of　taking　you　to　court；　etc。
But　please　hold　your　ground；　because　there　is　no　courtin　the　country　that　would　not　congratulate　you；　whenyou　explained　your　entire　plan　for　FinancialIndependence。　Moreover；　you　will　find　that　95％　of　the




people；　to　whom　you　write；　will　be　most　cooperative。　

Now　give　yourself　a　good　〃pat　on　the　back；〃　becauseas　of　this　moment；　you　are　well　on　your　way　to　starting　acompletely　new　way　of　life！　

Let's　briefly　review　what　you　have　accomplishedthus　far：　

1。　You　have　an　instant　estate　if　
anything　should　happen　to　you。　
2。　You　have　a　savings　account。　
3。　You　are　paying　yourself。　
4。　You　have　an　orderly　debt　
repayment　program。　
5。　You　have　70％　of　your　income　
to　live　on；　to　run　the　house　and　for　
entertainment。　
6。　Your　mind　is　clear　to　carry　on　
with　the　big　ideas　coming　your　way　in　the　
remainder　of　this　book。　


From　this　moment　on；　never　think　〃debt〃　again。
Remember；　that　has　all　been　taken　care　of…so　just　focuson　your　savings　account；　and　watch　it　grow。　Repeat…I　amwealthy；　Money　is　good；　I　use　money　and　I　love　people。　

Metaphorically　speaking；　getting　your　presentfinances　in　order　is　very　similar　to　having　yourautomobile　tuned　up　for　a　journey　which　you　are　aboutto　take。　Realize　that　as　of　this　moment；　you　are　tuned　upfor　your　journey。　And；　although　you　might　only　beearning　〃x〃　number　of　dollars　per　year　presently；　youmust　see　yourself；　on　the　screen　of　your　mind；　alreadyearning　the　new　annual　income　which　you　havecalculated　you　need；　to　buy　the　things　you　want；　in　orderto　live　the　way　you　choose　to　live。　

If　you　are　seriously　interested　in　becomingfinancially　independent　and　you　have　not　yet　acted　on




the　preceding　ideas；　I　would　strongly　recommend　you　doso　now。　For　to　continue　on　to　the　next　chapter；　withouthaving　done　so；　would　be　comparable　to　leaving　on　yourjourney　with　your　car　firing　on　only　half　its　cylinders。
You　can　be　almost　certain　that　your　automobile　willbreak　down；　preventing　you　from　reaching　your　desireddestination。　But　by　making　certain　that　everything　isproperly　〃tuned　up；〃　you　can　relax　and　adopt　a　calm；
serene　attitude；　knowing　that　you　will　get　to　yourdestination；　and　you　will　certainly　be　able　to　enjoy　thescenery　along　the　way！　

If　you　find　that　the　task　of　getting　your　financialworld　in　good　order　for　this　exciting　journey　is　somethingwhich　you　are　not　able　to　do　alone；　I　would　stronglysuggest　you　seek　out　professional　assistance。　（This　issomething　that　almost　all　wealthy　people　do。）　That　is　tosay；　wealthy　individuals　follow　the　advice　of　financialexperts。　It　is　similar　in　principle　to　the　idea　that　if　aperson's　body　were　sick；　he　or　she　would　likely　seek　outa　skilled　physician　for　advice。　Moreover；　you　should　alsokeep　in　mind　that　even　healthy　people；　if　they　are　wise；
periodically　go　to　a　doctor　for　a　checkup。　In　other　words；
you　do　not　always　need　to　get　sick　in　order　to　get　better。　

It　has　already　been　brought　to　your　attention　thatvery　few　people　ever　develop　real　expertise　in　the　area　ofserious　〃financial　planning。〃　

Therefore；　you　should　seek　out　a　competentfinancial　counselor；　in　much　the　same　manner　as　youwould　seek　assistance；　in　matters　of　a　legal　nature。　Thereare　companies　that　provide　this　type　of　financial　servicein　every　city。　In　some　places　they　are　not　too　easy　to　find；
but　they　are　there；　if　you　will　only　look　for　them。　

I　had　the　pleasure　of　being　instrumental　in　thestart…up　of　just　such　a　company；　in　the　city　of　Toronto；
Canada　in　1979　（the　name　of　the　company　is　The




McCrary　Group）。　Today　the　company　has　almost　fivethousand　happy　clients；　who　are　well　on　their　way　tofinancial　independence。　The　McCrary　Group　makes　all　ofits　c