Too good to be true?

We have all heard that saying and most of us are careful how we spend or invest our money. But the people out there that want to take advantage of us are always dreaming up new plans to make us all RICH is we only spend.... The new year always brings new ones out of the shadows to entice us and probably cheat us. Success and riches come from great ideas & hard work over a period of time. Most of the get-rich-schemes make someone else rich, be careful.