Self-Destruct in 3... 2... 1 💥

It's hard to think of the future when you're living paycheck to paycheck - consider the freedom that healthy budgeting habits can provide. [Wealthy Retirement]( SPONSORED [HUGE Profits, No Matter WHAT Direction a Stock Moves!?]( [Very First Trade Testimonials]( See how you could be the next to grab HUGE profits... Regardless of which way a stock moves. [Up? You can win. Down? YOU CAN WIN! Click here now for the urgent details.]( Editor's Note: We get it honest enough... Overspending is just as common as overeating during the holidays. This season, many of us will realize we've fallen into the age-old trap of holiday overspending. And in some cases, it'll take us months to make up the difference. And if the overspending extends beyond the holidays, or if it's still hard to find a budget that fits, it could be a sign of a larger problem. That's why, this holiday season, we've brought in Matthew Carr, Chief Trends Strategist at our sister e-letter Profit Trends. Matthew will share the story of how he's watched self-destructive tendencies keep friends stuck in the cycle of living paycheck to paycheck. If this sounds like you, don't worry. It's a common enough problem, and it's certainly fixable. And Energy and Infrastructure Strategist David Fessler, Matthew's colleague at Profit Trends, is inclined to agree... He is confident that despite the challenges the market faced due to COVID-19 in 2020, 2021 is poised to be a year of huge technological advancement... In fact, he calls it the "[Year of 5G]( And he's got his eye [on one little-known company]( - with its lucrative partnerships, 79 patents and powerful technology - that is poised to profit from the next tech revolution. [Click here to learn more.]( - Mable Buchanan, Managing Editor [FINANCIAL LITERACY]( How to Avoid Financial Self-Sabotage Matthew Carr, Chief Trends Strategist, The Oxford Club [Matthew Carr] The [holiday season]( is officially here. And like many of you, I've been getting cards, letters and emails from family and friends wishing me and mine their best. Though, recently, one of these bothered me. It was an email to a close-knit group of friends from one whom many of us hadn't seen in a while. The note itself was pleasant enough. There were the usual updates on kids and family. But one sentence in particular saddened me: "We're just trying to survive like so many of you..." My wife and I both had the same reaction to reading it. It was likely true. Even our closest friends - many of whom are doing quite well incomewise - are just trying to "survive." They're caught in this cycle of living paycheck to paycheck. It's a vicious circle so many people can't seem to break free from. And during the holidays - despite the mania of [joyous spending]( - it seems like so much more of a burden. The problem is so many people struggle because of self-inflicted wounds. And the worst part is that it's hard to convince them to stop. It's like there are these self-destruct sequences programmed into us that are nearly impossible to disarm. Growing up poor, I was told that money couldn't buy happiness. I don't know if it was a self-defense mechanism. I don't know if it was an actual realization. But it was always implied that the wealthy people living in those big houses on the nice side of town weren't really happy. That they were somehow immoral at their core. We've all heard that "The love of money is the root of all evil." This idea gets instilled in us, especially if we don't come from money, that if we somehow have more than we need, we are or will be corrupted. But what if I told you it's these perceptions that are the root of our financial struggles? Studies, like those from financial psychologist Dr. Brad Klontz of Creighton University, show the more negative your attitude is toward wealth and the wealthy, the more likely you are to have a lower income. Basically, a hatred of the rich and money ends up making you poor. This is a practice called "money avoidance." Essentially, this is financial [self-sabotage](. SPONSORED [US of Trump]( [Get Bill O'Reilly's Latest & Greatest!]( Neither pro-Trump nor anti-Trump... ["This is a history book," 15-time bestselling author Bill O'Reilly says](. It's the historic, gripping account of the life of a sitting president. Take it from Bill... "If you want some insight into the most unlikely political phenomenon of our lifetime, you'll get it here." $28 online... [or see how to get it without paying retail (or shipping!) HERE.]( It ranges from overspending to an unwillingness to educate yourself on money matters. It lures people into the trap of not planning for retirement or even developing an irrational fear of money. This is why 70% of lottery winners go bankrupt within five years. And why people who receive a large inheritance blow through it just as quickly. The concept of money - what it really means - is lost on them. I never developed a hatred or a love of money. What I did develop was an understanding of what money truly meant. At least to me. And that's [freedom](. Freedom to do whatever I want. Freedom to be as generous as I want. Freedom to not be stressed about money and the future. Freedom to walk off into the sunset whenever I feel like it. And a lot of it begins with our necessities. No matter your income level, no matter what "percent" you're a part of, we all must pay for necessities - homes, clothes, food and even our retirements. According to a survey by PricewaterhouseCoopers, more than half of employees are stressed out about their finances. Meanwhile, 42% of baby boomers have nothing saved for [retirement](. And of those who do, 38% have less than $100,000 squirreled away. It's a dangerous financial situation. And more and more older Americans are being forced to work later and later in life. Not because they want to. But because they have to. We're all going to need money. But our income-earning days will eventually come to an end. We can't fall into the traps of money avoidance - of just "surviving" another year. That's not living. We have to face our fears and misunderstandings about money and wealth... And we have to recognize whether we're guilty of self-sabotage. If we are, it's never too late to change. Here's to high returns, Matthew [Leave a Comment]( MORE FROM WEALTHY RETIREMENT [Why It Pays to Be Patient]( [A Big Biotech on the Verge of an Upgrade]( [Tesla Is Flying Too Close to the Sun]( [Facebook]( [Facebook]( [Twitter]( [Twitter]( [Email Share](mailto:?subject=A%20great%20piece%20from%20Wealthy%20Retirement...&body=From%20Wealthy%20Retirement:%0D%0A%0D%0A It's%20hard%20to%20think%20of%20the%20future%20when%20you're%20living%20paycheck%20to%20paycheck%20-%20consider%20the%20freedom%20that%20healthy%20budgeting%20habits%20can%20provide. %0D%0A%0D [Email Share](mailto:?subject=A%20great%20piece%20from%20Wealthy%20Retirement...&body=From%20Wealthy%20Retirement:%0D%0A%0D%0A It's%20hard%20to%20think%20of%20the%20future%20when%20you're%20living%20paycheck%20to%20paycheck%20-%20consider%20the%20freedom%20that%20healthy%20budgeting%20habits%20can%20provide. %0D%0A%0D SPONSORED [Claim Your FREE Copy of Marc Lichtenfeld's Internationally Bestselling Book: GET RICH WITH DIVIDENDS]( [Mystery Gift]( Right now, Marc's giving away 250 hardcover copies of his award-winning bestseller - Get Rich with Dividends - absolutely FREE! 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