Expert Author Michael E Parker

Buying a home, retirement, living comfortably without stressing about money; these are all aspects of the DREAM. Whether it's the American dream or the dream of someone in any other country; it's what we all strive to achieve. I would love to be able to tell you that these accomplishments can come from an easy step by step procedure and we could all have this freedom but as we all know that little thing called the recession through a wrench in a lot of ways to get to this goal. There are many ways to still achieve all of our goals and dreams as long as you have some creativity and focus.

Focus is one of the major factors to achieve our dreams. Focus is essential to coming up with goals and achieving them. Once you realize where you want to be financial the next step is to find the path to get there. First there is always getting another job. Supplementing your income can be the fast track to your goals but there is only so much time in the day and if you're already working 40 hours a week it's hard to think about working another 40. But think about the positives. The average single American income is about $29,000. Imagine doubling that by working this second job, you would be in a different tax bracket. As I said, the doubling of money would be nice but not everyone has an extra hour a week let alone an extra 40.

Finding a special skill or niche and make it work for you. This can be anything from bartending to carpentry. These are the things that can be done in your spare time and give your income that little boost it may need to get to the next step of achieving your goals. Bartending 6 days a month could be an extra $1200. Making or rehabbing furniture can make you a lot of money if you know what you're doing. If you have this little bit of spare time then after a few months of doing this you can start making your money work for you and invest.

If you are one of the fortunate ones that are middle class to upper-middle class then there are many more options for you. Now remember this word because if you don't know it already then it's time to get very educated. DIVERSIFICATION!!! Diversification is having assets or investments in different areas of the market. So if one goes down and a few go up you're still looking at positive expectation. There is a ton of free information on the internet these days and I would suggest using it to your advantage and figure out how you can diversify your money. Being able to have that extra money to invest can be a great feeling, especially when you start seeing results. By doing this you will start to have multiple streams of income. Once you can figure out what works best for your financial situation these multiple streams will start multiplying like crazy.

Depending on which scenario best fits you there will always be obstacles to reaching your goals. Stay focused and be smart. Just like your parents told you, "hard work pays off." Now we're just trying to make it really PAY off. Whether you're grouped into the first, second or third example, everyone has this dream of financial freedom. No matter which route you take it all leads to making those investments and finding those multiple streams of income. Stay focused, be smart, work hard, invest wisely, and don't let that dream go.

"What the mind of man can conceive and believe, the mind of man can achieve." -Napoleon Hill



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