Despite all of the advice, wisdom and insight on how to increase our incomes and the high number of "get rich quick" formulas for creating a fortune, millions of Americans are faced with unmanageable debt and have created little or no personal savings. How has this happened? One reason is that people are spending their hard-earned money on too many unnecessary and expensive items, while already living at or above their means. Another is that people are no longer committed to setting goals and planning for their future. The number one reason is financial illiteracy; there is simply not enough education in the area of personal finance.

With lower-than-expected salaries, higher-than-expected living expenses, and the deterioration of social security and pension plans, it is crucial that people of all ages learn the disciplines and principles associated with money management and controlled spending. Additionally, people cannot avoid or recover from unmanageable debt, buy a house, prepare for their kids' education, afford vacations, and successfully plan for retirement.without goals and a plan!!! All of us at one time or another will be faced with some form of a financial setback and challenge; that is an unfortunate fact of life. But we cannot afford to play the victim and claim ignorance as a defense. We must take responsibility for our financial ailments and be proactive in creating financial health.

This is where a RimerReasoning seminar can help. Whether at a college or university, a place of business, or a church, I provide valuable information, teach time-proven concepts, and share real solutions that equip people of all ages with the awareness, skills and motivation necessary for building a solid financial foundation which will support them throughout their entire adult life.

Todd Rimer
Founder