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Today's blog post is about an important lesson from a girl named Kaylee. When she was 22, she lived in the basement of her parents' house and started bartending to save up for law school. And guess what? She was a natural behind the bar - not just because of her skill, but also because of her patience and kindness to customers that made them feel welcome. Her boss eventually noticed and offered her a promotion that included a higher wage and more hours. Kaylee's promotion was a double-edged sword, because even though she'd earn more tips, she'd also be taking care of herself and paying her own bills. But since Kaylee knew herself well enough to anticipate her future expenses, she worked the tips out in advance and saved up a nice little nest egg for school. Saving up a nest egg takes a lot of discipline. I don't know what you're saving up for - it could be paying off debt, buying a home or car, or going back to school - but I have one piece of advice that will help you achieve your goals:

Write your goal down on a piece of paper and stick it to the refrigerator!

It's that simple. After you've written it down and the idea is firmly planted in your head, you'll be motivated to work your way towards your goal. And when you reach it, you'll be even more motivated! Except for two exceptions: If you're starting a business, make sure that if you have to borrow money, the outstanding balance isn't more than double what you've saved up to do whatever it is that will make money. Study other people's businesses before borrowing money - if they're good at what they do, they'll probably find a way to create passive income through other means besides the business. Also, try to be realistic about how much work it will take you to get up and running. And whether you're funding your own business or investing in somebody else's, always ask for a loan document that has something called "collateral." This means that if the business goes under, the bank can come after your investments to recoup their money. If you're saving up for a future date (a wedding, retirement, children), make sure it's not more than 15 years away. There are too many things that can happen between now and then - like an unexpected medical emergency - to leave yourself with less than half of what you saved up. This week, the Wall Street Journal reported that a student named Kaylee used her summer job as a bartender to save up for law school. Today's blog post is about an important lesson from a girl named Kaylee. When she was 22, she lived in the basement of her parents' house and started bartending to save up for law school. And guess what? She was a natural behind the bar - not just because of her skill, but also because of her patience and kindness to customers that made them feel welcome. Her boss eventually noticed and offered her a promotion that included a higher wage and more hours.

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