pendence than the average American. Financial security can sometimes. alleviate difficulties, especially legal ones that might arise out of some of our extra-curricular activities.

The homosexual almost invariably likes the "better things in life". He will buy the stereo set rather than a hi-fi. He wants to travel. Many of us want close relationships with other people, free of cares.

Well then, where do you accumulate this financial security?

You accumulate it out of your salary. You work for it, just as everyone else does, and you plan to put away a certain amount of your salary every payday. This of course, isn't easy. Especially if you see Macy's is having a sale of Fall suits, or if you have a gay bar you're used to attending every weekend.

Try cutting down on your expenses. Drink beer at the bars and leave the scotch alone. There are many activities that are fun, without being heavy on the pocketbook. As an example, if you live in or near a large city there is probably a gay beach nearby. This costs you only carfare.

By the time you start pushing 35 or 40 you will probably have a little more free time to spend. More than likely you'll be able to hop to New Orleans for Mardi Gras. But what about that trip to Mexico, or Havana, or the Virgin Islands? The cruel fact about travel is that you can only go so far and stay so long on so much.

money.

So start saving part of your regular weekly income. Once you've saved, say, $500 (and believe me, I know, it isn't an easy task), get yourself a reputable stock broker, find a good bluechip stock. (Definitely not a "penny" or "cheap" stock). Try putting the dividends you receive from the stock toward purchases of more stock. Let some of the money you work so hard for work for you.

Saving takes lots of planning, but a house is not built without a blue-print.

After you've accumulated a fair amount, several thousand or so, you might want to spread your investments over more than just the stock market or a savings bank. One excellent investment is real estate. There are many tax advantages to owning real estate, especially if you own income producing property such as an apartment house.

The homosexual is severly punished tax-wise by being single. Your tax brackets increase sharply after you start making more than $120 a week, and this is total income before taxes.

There are many schemes about owning real estate. Two Florida friends of mine own several apartment houses. They formed a corporation and after three years they dissolved the corporation and paid only a capital gains income tax rather than the very high ordinary income taxes they pay in their brackets.

Each individual must decide which plan is best for his particular situation. Perhaps none of the courses outlined in this short article could cover your immediate situation.

If possible start saving as soon as possible. In your early 20's is the best time, of course, but even if you're much beyond that, the sooner the better.

Once you've had a taste of saving and gotten into the habit, (and that is what saving becomes; a habit), you will find it fascinating to watch your nest-egg grow. Planning what to use the money for is fun, especially if there are more than one of you putting the money away.

It isn't easy for someone in their early 20's, who's usually making less than $100 a week to save. But if you want to enjoy with some freedom the years when the gray begins to sprout, save now. You can still have fun today, just by being young.