Consistent investment of small amounts adds up over time. Due to the power of compound interest, you can build future wealth starting one cup of coffee at a time.

The Pay or Save App is an extension of the “The $500 Cup of Coffee,” a book to help young people better manage their finances.

Folks from previous generations married young and poor, and then built a life together. Today marriage is an option, often postponed until the achievement of certain career and financial goals.

Compound interest is the magic sauce that grows small amounts into large amounts when consistently invested over time.

Forget about keeping up with the Joneses. As we live in a world of shrinking resources, where living smart makes more sense than living large, you can achieve a better qualifty of life, free from clutter and credit card debt, by consuming less and saving more.

Do you wonder if the high price of a college education is really worth it? Read The $500 Dollar Cup of Coffee for a realistic cost/benefit comparison to help you decide if college is the right choice for you. 

Are you college boung? With proper planning, you can avoid thousands of dollars in student debt and acquire an education that will starting paying dividends soon after you graduate.

The combined forces of globalization and digitalization are redefining the workplace and affecting our ability to work, make money and save.  Read “The $500 Dollar Cup of Coffee” to learn how to take control of your financial future.