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	<title>Debtspiration &#187; Tod Barnhart</title>
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	<link>http://www.debtspiration.com</link>
	<description>Where money, inspiration, and motivation come together.</description>
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		<title>Pay Yourself First</title>
		<link>http://www.debtspiration.com/saving/pay-yourself-first/</link>
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		<pubDate>Tue, 04 Dec 2007 15:45:00 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Saving]]></category>
		<category><![CDATA[Tod Barnhart]]></category>

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		<description><![CDATA[The first ritual of wealth and the most important rule of financial success is: Pay yourself first; it&#8217;s okay to keep some.
&#8212; Tod Barnhart, The Five Rituals of Wealth
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		<title>What&#8217;s Really Hard</title>
		<link>http://www.debtspiration.com/blogroll/whats-really-hard/</link>
		<comments>http://www.debtspiration.com/blogroll/whats-really-hard/#comments</comments>
		<pubDate>Tue, 20 Nov 2007 17:48:56 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>
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		<description><![CDATA[I hear this all the time:  &#8220;But it [smart personal finance] is so hard.&#8221;  Well, it&#8217;s easier than you think, and it&#8217;s certainly easier than becoming a financial statistic.  Being a financial failure is what&#8217;s really hard.
&#8212; Tod Barnhart, The Five Rituals of Wealth
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		<title>Wealth Is</title>
		<link>http://www.debtspiration.com/happiness/wealth-is/</link>
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		<pubDate>Fri, 16 Nov 2007 14:10:17 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Giving]]></category>
		<category><![CDATA[Happiness]]></category>
		<category><![CDATA[Tod Barnhart]]></category>
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		<description><![CDATA[I can&#8217;t claim that giving is a prerequisite to amassing a pile of money, because there are so many obviously greedy people getting rich.  However, I would never consider these people wealthy, and I&#8217;ve seen a lot of them fall hard in the last few years.  As I&#8217;ve said before, wealth goes beyond money.  It [...]]]></description>
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		<title>More Money Isn&#8217;t the Fix</title>
		<link>http://www.debtspiration.com/blogroll/more-money-isnt-the-fix/</link>
		<comments>http://www.debtspiration.com/blogroll/more-money-isnt-the-fix/#comments</comments>
		<pubDate>Mon, 12 Nov 2007 14:24:26 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Blogroll]]></category>
		<category><![CDATA[Saving]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[Tod Barnhart]]></category>

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		<description><![CDATA[When advised to budget, most people respond: &#8220;But I just don&#8217;t have enough money.&#8221;  In fact, most of these individuals have a lot more money than they think; they just lack control of it.  Making more money is not the answer.  The sad truth is that if you&#8217;re out of control, no matter how much [...]]]></description>
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