As it relates to finance, American's generally fall into two categories: Spender or Saver. You either save money each month to pay cash or you go into debt and pay money each month. Ultimately, though, both options end up at $0. In comes the Wealth Creator. The one no one knows about. The one who takes advantage of compounding interest. He, unlike the Spender & Saver, ends up ahead of the pack. Access a Beginners guide to compounding interest here- http://bit.ly/1gmsZdZ