ABOUT SPENCER

Although I am only 17 years old, I have learned more from my mom than any teacher in all my 11 years of schooling.

My brothers and I are privileged to be growing up in a very technologically advanced society. There are so many things available to us that weren't available to my parents. This is great, however I've noticed something very interesting.

What I hear a lot from my friends, adults and especially from advertising is that in order to be successful in life, one needs to have the latest and greatest, whether it be a new cell phone, TV, laptop, car, etc.,

Credit cards are issued to university students right away, and having debt doesn't seem to be that big of a deal as long as you can make your minimum payment every month.

How are we supposed to save for our future if we are subliminally taught that having debt is acceptable, and getting what you want when you want it is the norm?

I want to learn how to create my own wealth for my future. If everything can always be given to me in life, then why would I set any goals let alone have the desire to work for those goals?

This is where my mom comes in. She has done a great job of keeping my brothers and I level-headed in this society. Even though we live very well, we are reminded to never take things for granted. We try to appreciate all that we have in life and learn to share it with others.

School is an excellent place to learn many important subjects including math, reading and writing. But as a student, I feel that the curriculum lacks in teaching students how to save money and prepare for the future. Even basic money-saving techniques are not taught.

Business courses at school are taught with the assumption that all students will be working for someone else. They do not give students the option to think about starting up their own business and work as an entrepreneur.

The philosophy at school is as follows... Study and get good grades to get you into university. Do well in university and earn your degree. Armed with your degree, get a good paying job with a good company. You're set.

"Formal education will make you a living; self-education will make
you a fortune."Jim Rohn

They don't really mention that when you get out of university, you could possibly end up with $20,000, $50,000 or sometimes over $100,000 in student loans. Even if you do land a good paying job after completing university, wealth creation would still have to be put on hold for years until your loan is paid off.

Personally, I don't want to be in that situation so I'm learning to build wealth from a young age, before I go to university.

I believe that something needs to be added to the school curriculum that will help children and parents learn money saving habits together.

My mom and I have decided that our goal with this website is to help people take small steps today that will lead to a secure financial future for themselves and their children.

Hope you enjoy the website!

Return From About Spencer to
Creating Wealth From Birth Home Page