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An article about Forex this is not. It is about a different perspective on the value of a dollar. Think of it as a mind hack on money management. Use these concepts to remain focused on getting the most out of every dollar earned and every dollar spent.
Open up your wallet and pull out any duplicate bills; ones, fives or tens and take a close look at them. Two dollar bills may each buy a dollars worth of candy at a convenience store. They may look the same, but depending on where they came from they may not be the same. As I see it, when it comes to money in your pocket, not all dollars are created equal.
Now, before you begin picking apart my view on monetary assets I will clearly state that this view goes beyond pure mathematics. My view places focus on the net value to you, as a person, that this money represents.

Think about what each dollar represents. Each dollar is only a small fraction of all you earned and received. At a 5% savings rate, each dollar is representative of only one twentieth of each dollar you made. For each dollar you are able to save you must have first earned twenty.

How hard do you work for your money? Few of us find our money comes easy. Ponder this for a moment; let us assume you have an annual savings goal of $10,000. Furthermore let us say that while you were on track to meet this exact goal, a slick salesman stopped by and sold you a one-hundred dollar gadget that you don’t need and subsequently never used. With buyer’s remorse in mind you are now recommitted to recovering this lost savings. How much extra money do you need earn to recover this loss?

With a 5% savings rate this means you must earn twenty times the lost amount. Remember, out of every dollar earned 95% is already committed to pay your rent, utilities and miscellaneous expenses. Solving the question above, we learn you need to earn an additional $2,000 to have enough money left over to cover your $100 expense. How long does it take you to earn $2,000?