King Solomon was the richest man who ever lived. He would make Bill Gates look like modest money.

He also was very wise. He is a person from history to learn from, he had much wisdom. He said tell your wife 40 times each day how beautiful and wonderful she is.

People always get a kick out of hearing me answer the phone. I say “Hello, beautiful.”

If you want that lady that turns your head every time you see her, tell her what a fine wife she is and how she makes you happy. Do not keep it a secret! Let her, and the world, know how blessed you are to have such a fine wife.

I know she can open that car door herself, but I beat her to it every time. Take the time to make her feel like the most important person in the world, if she is your wife she better be.

When you were dating her you could tell her 100 things you liked about her. Now forget the three things that she drives you crazy about and go back to remembering those 100 great things.

Now that your memory is back go tell her again. I know nothing about wine nor am I interested in wines, but I can tell you this: I know what kind she likes, and I can bring it home with some flowers often. Now guys, this is not rocket science just go do it and your kingdom will be better, I promise.

• • •

Goal Setting

USA Today says of people age 65, 97 percent of them can’t write a check for $600, 54 percent are still working and 3 percent are financially secure.

What you may ask is the difference — 3 percent had written goals and will power. They had a plan of action of saving and investing money and they followed that plan.

With 2016 upon us, why not have some written goals of your own? Set yourself some goals about getting out of debt and putting money away for those rainy days that are inevitable.

“How?” you say. I would buy the Dave Ramsey book, “The Total Money Makeover,” sit down with your spouse and get serious in 2016.

Start being debt free and make your mind you’re going to do it, not just try. Start buying good mutual funds every month!

You say, “Jerry, I am 63. It is too late?” NO, it is not!

George Burns won his first Oscar at 80! Colonel Sanders made it big at age 65.

If you look hard enough you will find a way to make your life better, I promise. The ability to become debt-free isn’t contingent upon a certain income, it is all about changing behavior and being intense about getting rid of that nasty debt! — Dave Ramsey

Take this time of year and do some real planning. Look at the money you owe and what you can do to pay it off and most important not borrow again. Then save every penny you can and put it in your Roth IRA! You can thank me later.

May God Bless!