Instead take 10 percent for tithing, take 10 percent for saving and use the remaining 80 percent. Most are better off with forced savings, because it's out of your paycheck before you see it. Keep Hands Off Savings. Don't make the mistake of borrowing against your retirement money, or your money stops working for you. If you don't pay that loan back, it's considered a distribution, and that means you pay income and penalties.
Aggressive saving is more of a lifestyle than anything else.
The real way to build wealth is through consistency, patience, and sticking to a savings and investment philosophy that you believe in. Suzanne Woods Fisher is a freelance writer who has published over 40 magazine articles. She lives in Hong Kong with her husband and four children. Click here for reprint information on Marriage Partnership . Summer 2000, Vol.