The Hawk and the Mouse - Saving for Retirement

There once was a hawk, ferocious and swift. He was young and agile with many years of life to hunt the open ranch lands. In a nearby field, a mouse scurried about the ground. The hawk saw the hurried motion and swept speedily toward the rodent.

Just as the hawk's shadow engulfed the smaller rodent, the mouse fell to its back and begged, "Please, Mr. Hawk, spare me my life!" This surprised the hunter and he landed beside the mouse.

"Why should I spare your life? I am hungry today."

"It's always about today, isn't it?" answered the mouse. "Do you ever think about tomorrow?"

"Tomorrow? Well, that's just another day to flap my wings. I will eat then, too."

The mouse scratched his chin and replied, "But one day you will be old and gray. You will have chiseled claws. You should prepare for the future now or starve later."

"I do, I do. I am building a grand nest as we speak. You see, I fly low to the highway's hot pavement in search of lost dollar bills everyday. I find a dollar a day and add it to my nest. I am constantly constructing my nest egg."

The proud hawk looked toward the mouse for a reply. The mouse shook his head and stated, "I will make a deal with you, hawk. If after fifty years, you have saved more money than me, not only will I give myself up for your feast, I will lead every mouse in this field to your nest."

The hawk did not take long to consider the proposition. He knew he could cover more ground flying than the mouse could crawling. He would be able to locate twice as many lost dollar bills and thus build a much larger nest. The hunter concluded that in fifty years, he would have a great feast.

Years ticked by and every day the hawk collected two dollars. On each given day, the mouse found one dollar and invested it wisely. Fifty years later, the bird of prey lived in a large nest made of twigs, mud, and dollar bills. He was feeble and sickly. And although his nest equaled that of $36,500.00(1) , along with a few very nice tree limbs, he knew the mouse would have less. He no longer invaded the far stretching fields, but took comfort in knowing he would soon have his great feast. As the hawk glared down from his perch, he saw the mouse. The mouse was alone.

"So, hawk, how much money do you have?"

"Just under $37,000(1) . And you?"

"I have $508,462(2), you fool. You see, I invested my $365 wisely every year. I dollar cost averaged into the market and utilized well-diversified mutual funds over the course of all these years. I am the victor and you have no feast."

The hawk collapsed into his nest and was never seen again. The mouse lived a happy life and provided handsomely for his family. He passed along a bit of advice to those who asked about saving: "The individual most accountable for your future financial welfare, is the one you see in the mirror today."

*Hypothetical investment for illustration purposes only.

(1): Based on a savings of $730 each year for fifty years with no interest.

(2): Based on a savings of $365 each year for fifty years earning 10.5% annually.

Wardlaw has been involved in the fields of investments and insurance for over twelve years. The author's belief is that familiar life elements best illustrate practical investment strategies; not typical investment jargon. For comments and questions, please contact the author at tools2invest@yahoo.com.


Free Quran in All Languages

Free Tafsir Books

You?re Eating Your Retirement Money

Ever think about how eating all those fast food meals... Read More

Investing is About Discipline

If you don't have discipline then walk away from the... Read More

The TRAP Behind Websites With INSTANT Searches for Unclaimed Money

There is no questioning that the amount of unclaimed money... Read More

Controversial Wealth Audit Reveals Over 90 Percent of Us Could End Up Working Forever...Are You One

Results from a new tool developed by UK based firm,... Read More

What Do You Mean By Diversity?

The word 'diversity' is a unique one. It can represent... Read More

Anthony Robbins 12 Reasons Why People Dont Get Wealthy

According to Wallace Wattles, in his popular wealth treatise called... Read More

A Completely New Way To Get Rich Rapidly

This new way is catching on around the world. People... Read More

Turn That Fixed Rate Mortgage Into A Goldmine

When you purchased your home, you most likely got a... Read More

Business Ownership, Cash in Your Pocket - Today!

Yesterday we learned that 74% of all wealth is created... Read More

Dont Leave Your Financial Success To Chance

Recently I was reading a book called The Millionaire Mind.... Read More

The Top 10 Steps to Extraordinary Personal Wealth

I recently came across startling figures about the average American's... Read More

Discover the Secrets and Possible Solutions To Money Problems

It is sometimes pitful how many projects are never born... Read More

5 Easy Ways to Save and Build Wealth

1. Pay off high-cost debt. The best investment most borrowers... Read More

The One Important Secret of Making More Money Easily

If you're reading this article, it means you are a... Read More

Do You Want Money?

Let me ask you a very simple question. Do you... Read More

How Much Do You Need To Earn Per Hour To Achieve Your Yearly Financial Goals

Have you ever asked yourself what your highest income producing... Read More

Cost Averaging - It Makes Sense (Dollars & Cents)

It's no secret that the market goes UP...the market, goes... Read More

Learn How to Bank Like a Banker

The business of banking has changed dramatically over the last... Read More

Methods Of Raising Instant Cash

The inability to come up with the necessary cash when... Read More

What it Means to be Rich

Many people have a false understanding of what it actually... Read More

21 Secrets of Self Made Millionaires

Self-Made Millionaires are not smarter or better than you. They... Read More

Saving Money - 35 Pieces of Advice to Save

There are only 2 ways to grow your wealth -... Read More

16 Mantras for Building Financial Wealth

Everyone wants to be wealthy, but most of us do... Read More

Building Wealth by Paying Yourself First

When I look around at all of my friends, and... Read More

Still Using Federal Reserve Notes?(How to Beat Inflation)

"My people are destroyed for lack of knowledge." Hosea 4:6... Read More