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Free Money Finance

Free Money Finance

You Can Build a Fortune on a Small Income

Posted: 31 Oct 2016 02:05 AM PDT

I've shared a host of bad news over the past couple months (mostly related to how little Americans know about managing their money), so it's time for some good news.

Here's a piece from Yahoo that tells how a librarian left $4 million to his university. Some details:

You wouldn't know it from his lifestyle, but Morin — who graduated from the University of New Hampshire before working in the school's library for nearly 50 years — was a multimillionaire. In fact, very few people did know, until he died in March 2015 at age 77 and bequeathed his entire $4 million fortune to his alma mater.

Morin's simple lifestyle allowed him to stash most of his income in a checking account and certificates of deposit, and his advisor helped him contribute to mutual funds and annuities, the Boston Globe reported: "Morin also bought several life-insurance policies over the years, all intended to benefit the university from which he earned a bachelor's degree in 1961."

So the guy was a librarian, not the highest-paying job out there. And somehow he managed to save/invest $4 million. How could he do this?

Well, he:

  • Spent significantly less than he earned
  • Worked for 50 years
  • Invested wisely

Let's assume the following:

  • He invested for 50 years
  • He got an 8% annual return on his money

How much would he need to invest per year to get to $4 million?

Just under $7,000. Totally doable.

Based on his standard of living and his investments I'm guessing he saved much more each year and got a lower rate of return.

Whatever actually happened his life shows you can amass a tremendous amount of wealth if you save enough for a long time even with a modest return rate.

And you don't need to live on Fritos, cheese sandwiches, and frozen dinners like he did to do so.

You need to simply:

They are simple concepts to understand and easy to execute -- as long as you have discipline.


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