You can work your whole adult life to get rich. But if you dedicate all of your focus to financial growth you’ll never enjoy the rewards of those efforts. Plan some playtime to relax as you make yourself wealthy.

Growing wealth and getting rich wears you out if you don’t give yourself an occasional break.

Here’s how you use ten percent of your income to relax from time-to-time.

Let your “for playing only account” grow until it’s big enough to buy something you want. Go to a movie, or even take a trip somewhere (perhaps a short vacation to unwind).

You might even want to take a course in dance, guitar, swimming or basket weaving.

Hey, it’s your play money. Do whatever you want to with it. Just make sure what you do is relaxing, and takes your mind off the business of growing rich for just a short time.

Like I said, if you follow the 60% savings process I discussed in parts one and two of this series, you’ll be rich when you are 40 or 50 years old. And when you’re rich you have choices.

Think about it. Make this decision early on, and your life will be easier later.

Do you want to spend everything you make, be stuck in a job, and just hope you can take a vacation once a year?

Or do you want to get rich and have the ability to choose a life of leisure, luxury and pleasure? And take two vacations a year – each one six months long?

Being rich at 40 gives you options:

Retire early and comfortably.

Travel anywhere you want to go.

Keep working in a career that you enjoy.

Leave a career that you don’t enjoy, and begin a new one that you do enjoy.

Or even start your own business where no one tells you what to do.

Life is full of choices. I hope the choices that come your way are valuable to you.

It’s tough to get rich fast. But if you start early and work at it slowly, you’ll be one wealthy person by the time you’re 40.

How do you eat an elephant? One bite-at-a-time.

I didn’t have this knowledge when I was young. And as a result I wasn’t financially independent when I was 40. That’s because I had the wrong plan for my life based on the information that I had at the time. (Or, more likely, I wrongly interpreted the information that I had.)

That’s why I’m telling you about it now. When you reach my age you won’t be able to say, “I didn’t know so I made the wrong plan.”

Now you know – you have the weapons to make the right plan. It’s all up to you.

Here’s one way to make the wrong plan: make $5,000 each month and spend $6,000 every month.

When you make $5,000 a month you can easily spend $6,000. But if you live on $3,000 a month you have $2,000 to divide between your four ten percent savings accounts.

Think about it, couldn’t you really live comfortably on $2,000, or even $1,000, a month. It’s easy if you don’t splurge on luxury. Then you’d have $3,000, or $4,000, to invest in your future and get freedom a whole lot faster.

And when you develop your skills to make yourself more valuable to others, you can easily make $5,000 a month – even more.

When you’re saving money that way you get rich earlier. And that “for playing only account” fills up fast for more leisurely activities.