Anyone ever read anything by Larry Winget? I've read at least one of his books and found him to be pretty funny (and in line with my thinking most of the time.) He certainly tells it like it is which is what I especially appreciate.
Here's a recent interview with Larry where he addresses how simple it is to succeed financially:
I really don't emphasize easy as much as simple, and I do think there is a difference. Everything in life comes down to simple things. If you want to lose weight, all you have to do is eat less and exercise more. If you want to have money, earn more and spend less. That's all it takes. I do sum up the book by saying what's easy to do is just as easy not to do. It's easy not to take action. I think people are attracted to hard solutions for one reason: If they don't make it, they have an excuse for failure. When you hit them over the head with the simple approach, you don't leave them a way out.
Good point -- there is a difference between "easy" and "simple." The basics of what it takes to succeed in personal finance are simple to understand for most people, but they aren't easy. Why? Here's an example: spending less than you earn is a very simple concept to understand -- you simply spend less than you earn. It's very, very basic. That said, it's not easy to spend less than you earn because to do so you need to have discipline, something that requires sacrifice, diligence, contentment and a whole host of other attributes that many Americans find difficult to develop. Issue after issue in personal finances is like this -- investing, planning for retirement, making more money, etc. -- simple, but not easy.
So maybe I should change the title of one of my top posts from How to Get Rich in Three Easy Steps to "How to Get Rich in Three Simple Steps", huh?