Getting a job and making investment decisions [http://hubpages.com/hub/Money-Track-2-Investor] are probably the two main things that we keep asking ourselves over and over again. There is like a Catch 22 situation with employment and investing. Without investing, you will never be able to build up your nest egg for retirement but without employment, you will never be able to raise the money needed for you to invest.

A lot of times, I have been hearing people saying that they do not have the money to invest over and over again. The rescue: the infomercial gurus came up with 1001 ways to invest with no money down. Just spend your last penny on our books and read all the techniques you need to know. (Alright, this is intended as a joke). But the point I am trying to make here is this. To invest, you need some money and lots of sweat equity. So, where do you get the money? More often that not, you need to bootstrap and raise your own capital. Or alternatively, you can borrow money from other people or get some venture capitalists to invest in your business ideas. But hold on a second, do you think you have a very brilliant idea that is going to be the next Google? From the response I get from most people, the answer is again no. Most people want to make money but they do not have the money or the idea. Of course, coming up with a small amount of capital is always easier than coming up with a big idea for most people. In other words, go get a job or be a sales representatives, anything to raise the capital you need when you are just starting out...well, unless you have a really great idea but I highly doubt it.

Yes, reading how to get rich books are good. They give you an idea and a new perspective about money but when it comes to doing the actual work, most people quit. I read those books too during my early years but now, I do more than I read. They steer you to think in the right direction but it depends on you to take the right action. You can keep reading books after books. Eventually, you will discover that there are only two schools of thoughts. The first one will teach you how to be rich by starting a business and invest in real estate and the likes while the second one will be about saving and investing. If you do not believe me, you can grab another book and read but it is going to be the same thing. Mark my words, everyone will eventually develop their own system and it is going to be very different from what you read in the get rich books.

So, the first thing to do is to get a job or be a sales representatives. Once you have your paychecks rolling in, put aside some money for investment and savings FIRST. Then, feel free to spend the rest of the remaining money that you have. If possible, do not use credit cards for small purchases like food or groceries.

I would not delve into investment techniques here. If you can do just the things I mention on the paragraph above, you are already better than most people. After all, money can buy you time and FREEDOM, not big cars and big houses.