There is a return on non-investment. The return on non-investment is 100%. The vast majority of people do not understand this, or think this is all wrong. If I do not spend $1,000 today on some gadget, I can invest that money in income producing assets. Some people think one needs to be a millionaire to be an owner of a business. Individuals that save in their 401(k)'s most likely have a stock component which translates into ownership of hundreds of businesses with thousands of employees.
One can invest in as little as $50 per month with some online brokerages. The question then becomes, why do so few people do it? There are a few things that distract one from achieving financial goals. These include knowledge, attitude, and patience.
Knowledge is the most important piece. Without it, the investor will be lost and not know where they are going. Knowledge is built upon by understanding what they are purchasing in their 401(k). Knowledge is power in the investment world.
The next piece is attitude. If one does not have a good attitude towards future business growth, they will simply stay a spendthrift or invest 100% in gold pieces.
The last piece is patience. Not many people have the patience to invest $50 a month to see a return years later. That is why one should increase their savings to as much as they can.
The return on non-investment concept is very important especially if one is considering the sales and retail gimmicks going today. If something is 20% off that doesn't mean one should buy it. One still has to trade 80% of their cash for that item. If they do not buy the product, the return on non-investment is 100%.
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