I came across an article that put this topic in my mind.


I won’t name any names, but I was visiting the website of a popular magazine who shared an article about how much money a bunch of women allegedly have in their savings accounts.  What is the point of articles like this?


Now, I’m not complaining because I’m jealous; I couldn’t give a rat’s ass what someone else has in their bank account, because, frankly, it doesn’t concern me.  I didn’t even read the article after I saw the headline… besides, I already know how to save; it isn’t exactly rocket science.


But I don’t listen to blanket statements about money and finances: we all have different sources of income, different expenses, and different needs, so what works for some people won’t work for others.  One piece of advice that’s been circulated for years is to put away 20-30% of your income every month to be financially responsible; I say that’s a load of garbage.  If you’re barely scraping by, then you don’t have 20-30% of your income to save; you’re spending it all.  On the other hand, if you’re earning enough that you can afford to save 50-60% of your income (or more, why not?), then why wouldn’t you?


Blanket statements should be taken with a grain of salt because we are all different.


And not to go off on a tangent, but that’s what I love about this country (America, in case that wasn’t clear).  We all have the opportunity and potential to earn as much or as little money as we want.  I can appreciate that people face tough times, but there’s *almost* always some way to pick yourself back up.


And I’m not trying to discredit the difficulty of dealing with a bad economy or getting laid off while you have mouths to feed.  I’m not saying earning money is always (or ever) easy.


What I am saying, though, is that you already know whether or not you’re capable of saving money every time you look at your bank statements.


If the money’s there, that’s great, and if it isn’t, it’s your responsibility to figure out why.


You don’t need an article to tell you that you’re spending too much on designer labels.  You don’t need a journalist or financial analyst to tell you your job doesn’t pay the bills.  Your bank account can do that for you!


And yes, I know this blog post probably won’t make an impact.  As long as currency is a thing, people will read dopey articles about it: finding it, getting it, and what to do when you finally have some.


So my goal isn’t to change anyone’s mind, it’s simply to share a different point of view.


Comment below and tell me what you think!


Before You Go


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Money Management Tips and Advice On How To Save Money