It’s only the start of football season and I’m already nauseous from all of the one-day fantasy league commercials on the radio promising payouts of $1M or more each week.

According to a study by American Express, Americans are expected to spend $4.6 billion on fantasy football this year.

BILLION!

Or if I don’t like my odds of fantasy football, I could always give that automated number on my voicemail a call back and “earn five figures per week, guaranteed!” 

Sure I can, buddy…

Get rich quick schemes and gambling got their names for a reason.

Wealth rarely happens overnight (and when it does, lottery winners habitually seem to spend it overnight, too). Wealth is built by budgeting, saving and investing. These are the x’s and o’s of long-term financial success.

If you’re looking for a good place to start understanding these concepts, check out the Total Money Makeover. It’s practical. It’s easy to understand. It lays a groundwork to be able to support the necessary long-term view to building financial stability.