We all want that silver bullet, but let’s talk about that little thing called the habit of doing the right thing every day.

It does not matter if we are talking about our money or our health. We must do the right  thing all the time.

My friend, James Stogner, says just spend less than you make. I will add save 10 percent  each month and give your church 10 percent. You will find that everything will be good in the long run.

We  run into a Magic Bullet called compound interest and this really does work. If you keep putting money  away in a retirement account for many years the compound effect is wonderful. This may seem boring  but it will make your retirement much better.

Buy and read Dave Ramsey’s Book “Total Money Makeover.” He has a great way of showing you there are no Silver Bullets in life, but the Magic Bullet is  doing the right things each month for many years and the compound effect will make your life very  good when you retire. Do this and you will have a blessed retirement.

The choice is yours.

Jerry Johnson is President of First Realty of LaGrange.