The basics of personal finance are simple. Regardless of how troubled their financial lives, I have yet to meet anyone who doesn’t already know what they should be doing. Everyone knows they should save for the future and not spend more than they make. Despite hundreds of books, thousands of newspaper articles, and prime time television and radio shows discussing the ins and outs of personal finance, millions of us are still unable to make the most basic changes in our financial lives. More advice telling you what you already know you should be doing isn’t going to improve your financial health.
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