Spend It Into Savings


Anyone who has met with me knows this formula.  It is THE formula that changed my financial future!

Today I focus on the OUTGO.  Specifically, spending into savings.

"Huh?", you might ask.

Yes.  Spend it into savings.

My goal is not to just help people pay their bills on time.  It is not to just pay off debt.  This whole thing is about getting folks to a point where they can accomplish far more than they ever thought possible with their personal finances!  I want people to be able to achieve their hopes and dreams!

I want you to be able to take that trip around the world.  I want you to be able to quit your job and start that business you have always dreamed of.  I want you to be able to become a stay-at-home mother when the children are born.  I want you to be able to have a nice, paid-for vehicle and home.  Ultimately, I want you to be able to do exactly what you were put on earth to do!!!

That is why I say SPEND IT INTO SAVINGS.  Pay yourself first.  Pay it to the future.  Invest for the future.  However and whatever you want to call it – just do it!

Life is WAY TOO SHORT for me to sit around and wonder how I am going to pay the electric bill on time!  I decided over five years ago that money was not going to be a problem in my life twenty years from then.  One key way that Jenn and I have been able to do this is to SPEND IT INTO SAVINGS.

How much money did you save this month?  Do you know?  How much did you save for retirement?  How much did you save to fund your dreams?

If the answer is ZERO, you are ROBBING YOURSELF yourself of your future dreams and hopes.

If you have saved zero, you should arrest yourself and charge yourself with financial mismanagement – a class "Z-minus" felony.  Fine yourself $500/month for ten years and have your savings account collect the fine.

Looking for additional Personal Finance Resources?  You can obtain free tools by clicking HERE and purchase books/materials by clicking HERE.


  • www.JOESANGL.com is excited to announce that Joe will be teaching the Financial Learning Experience at Word Of Faith Christian Ministries in Dayton, Ohio on Saturday, August 25th.  You can click HERE for more information!  If you are in the Dayton, Ohio area, I would love to see you there!


  1. Josh on July 26, 2007 at 6:11 am


    What percentage of weekly pay do you recommend people to start putting in their savings?

  2. Robert Lyons on July 26, 2007 at 6:44 am

    Joe – We are pumped that you are coming to Word of Faith… We have already started pushing the event hard! We look forward to your insight into financial freedom… See you in August! Registration for the seminar will open next week, and we will keep it open until we are out of seats…

  3. Moneymonk on July 26, 2007 at 8:49 am

    Hey Joe,

    I think at some time or another some people had no debt or very little. As humans, we tend to want more therefore getting us in debt. You simply have to change your way of thinking. Study money and change your money habits. It’s only two things you can do Increase your income and keep your same lifestyle or Keep your same income and DECREASE your spending.

    If you don’t have enough to pay for it, guess what you cannot have it. Forget credit cards. You cannot have it.

    Most people have a problem with hearing the word “NO”

    Exercise discipline. Most Rich people have.

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