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This morning, I saw a biker peddling up the hill on my street.  He had all the gear needed to be considered an expert biker, complete with helmet, biker outfit, and the fancy bike.  He looked the biker part.  Then, this afternoon, I saw the same guy again, outside fixing his bike and getting ready to go for another ride.  Wow!  This guy is really focused on his biking.  Focus!  That is an interesting concept.  We get good at things by focusing on them and taking action.  See, the biker was not just thinking he wanted to be a good biker.  He was taking steps to ensure he became a good biker.  He was focused and taking action.  

The same can be said for becoming financially independent.  We all say we want it.  However, are you focused on it?  Have you created a strategy?  When you look 10 years down the road, do you see yourself smiling with enthusiasm because you have beat the debt game?  Well, if not, then it may be time to focus and take action. 

You cannot just stand on the sidelines of your financial future.  Money is active.  It is always moving.  The best way for you to become financially independent is to tell that money where to go.  Just like the biker maintains his riding schedule of morning and evening, so must you monitor your spending constantly and make adjustments when necessary. 

 So, what is your financial picture?  Maybe you want to pay off debt, start saving money for retirement or a college fund for your kids, or create a savings account for when emergencies happen.  Now is the time to sit down, write out what you want and where you want to be, and then map out daily steps you can take to get there.