Financial WELLNESS

Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. Suze Orman

“The world is filled with people who look modest but are actually wealthy and people who look rich who live at the razor's edge of insolvency. Keep this in mind when quickly judging others' success and setting your own goals.” Morgan Housel talking about his new book ‘The Psychology of Money’ 

“Aligning money towards a life that lets you do what you want, when you want, with who you want, where you want, for as long as you want, has incredible return.“ Morgan Housel

“A smart man makes a mistake, learns from it, and never makes that mistake again. But a wise man finds a smart man and learns from him how to avoid the mistake altogether.” ~ Roy H. Williams 

Forbes Billionaires list -2024 

Financial Life Planner - HumbleDollar 

When You Just Can't Stop Spending: Helpful Tools and Tips 

5 Things You'll Find In a Frugal Purse 

Defensive Financing Strategies for Protecting Your Wealth 

Money Games That Can Make Frugality Fun 

Want Financial Success? Outsmart Your Brain 

7 Most Common Financial Regrets

Expert Interview: Overcoming and Preventing Financial Stress

The High Cost of FOMO: How Fear of Missing Out Affects Your Finances 

Buying Things vs. Buying Memories 

ProjectionLab is a personal finance simulator designed by Kyle Nolan, an engineer based out of Boston, and it's easily one of the most powerful and beautiful tools I've ever seen.You can play with it for free (with demo data) or pay to link up your accounts and use it with your personal data. (starts at $9/mo)

WHAT ARE THE MOST important financial ideas? : we don’t focus on specific financial terms, like diversification, correlation and momentum. Instead, the goal is to offer up larger ideas that can help us think more clearly about our financial life and our own behavior.

Why You Should Think Twice Before Lending Money to Family and Friends

 The One Thing That Determines Financial Success or Failure 

Golden Hours: Winning Key Transition Points in Money & Life 

Ending the Fear of Poverty

Which Documents Should You Keep and for How Long?

What You Should Do With All the Financial Advice on the Internet 

10 Reasons Why Some People Don't Achieve Financial Success 

Why Smart People Are Poor

Finding Professional Help for a Spending Addiction 

10 Ways To Be Radical and Get Rich

5 minute daily journal 

5 Things Your Millionaire Neighbor Isn't Telling You

The cost of happiness varies by cities. Here are the numbers 

Handling Sudden Income Changes (Good or Bad)

13 Personal Finance Calculators Everyone Should Use 

10 Tricks to Prevent Impulse Buying (That Work Both In Store and Online)

Why You Should Calculate Your Net Worth Once a Year

7 income streams of millionaires: an open discussion of passive income 

Watch Wealth Inequality in America (Youtube)
The Joy Of Low Expectations

Expert Interview: Avoiding 3 Common Financial Problems

 Read the walkthrough of ProjectionLab with Kyle

How to Build A Financial Plan without a Professional Financial Planner 

Top 10 Reasons People Overspend 

Are You Rich? The Amount Americans Need To Live Comfortably

What Are You Willing To Give Up To Win Financially? 

Financial Life Planner - HumbleDollar 

Ten ways to simplify your financial life 

The Two-Minute Checkup: a unique financial tool: It aims to offer feedback across someone's entire financial life based on no more than nine pieces of information. 

Find Support for issues with mental health, drugs, or alcohol 

Why You Should Calculate Your Net Worth Once a Year

7 Most Common Financial Regrets 

Are You On-Track To Be a Millionaire?

Are You a Prodigious Accumulator of Wealth?

Money Guy Net Worth Template

"That’s how I built my wealth over the years—by not owning a lot of stuff," 

6 Things Preventing You From Getting Rich 

A 10-Step Financial Spring Cleaning Plan

The Dark Side of Financial Goal Setting

100 Ways To Get 1% Better With Your Finances 

When You Just Can't Stop Spending: Helpful Tools and Tips 

Ways To Help Friends Having Money Troubles 

Sticking With a Frugal Lifestyle Month after Month

Simple Tricks for Controlling Overspending

Are Emotions Making Your Financial Decisions? 

The Financial Diet How to Get Good with Money in a Year 

Your secret to a happy life -- lessons from 8 decades of research

45 Steps to Success 

Learn How To Develop a Frugal Attitude

10 Reasons Why Some People Don't Achieve Financial Success

End-of-Year Financial Checklist: 8 Easy Steps

Ann-Helén Bay: Why is it so hard to escape poverty? | TED Talk 

Financial Life Planner 

5 Financial Resolutions Everyone Should Make 

Your Annual Financial Performance Review 

A Yearly Planner for Financial Fitness 

6 Types of People Who Have Trouble With Money 

What Are You Willing to Give Up to Win Financially? 

A Painless Financial Check-Up 

How to Fight Inflation Guide 

8 Ways To Overcome Retail Therapy

Age-related milestones for a comfortable retirement 

75+ Things I Do That Improves My Life

Simple Habits That Make a Financial Difference

Go Ahead, Spend It  

Why You Should Calculate Your Net Worth Once a Year

Avoiding 3 Common Financial Problems 

Want To Improve Your Finances? Just Say 'No'

3 Depression-Era Strategies for Becoming More Financially Secure

How To Feel Rich Even If You Can't Get Rich

How Much Money Do Americans Need To Live Comfortably?

 Solving The Happiness Conundrum In Five Moves Or Less

Everything Compounds (good or bad) 

FINANCIAL PLANNING DECADE BY DECADE

10 Keys to Happier Living | Action for Happiness 

10 Ways to Be Radical and Get Rich

The 1 Percent Rule: Why a Few People Get Most of the Rewards 

Are Impulse Buys Sabotaging Your Budget?

10 Tricks to Prevent Impulse Buys (That Work Both In-Store and Online

Read Best Net Worth Calculators: Net Worth Tracking Made Easy

 Future Self Tool is designed to help financial educators, coaches, and counselors motivate and support the people they serve toward their longer-term financial goals, using exercises that strengthen their connection to their future selves. 

What Is the Difference Between Cheap and Frugal?

12 Ways to Stop Impulse Shopping

How the Eisenhower Matrix can help you decide what to do next

Here’s How 825,000 Americans Became Millionaires — and You Can Too 

8 Hispanic Personal Finance Influencers to Follow 

A Financial Advisor’s 3 Key Rules To Getting Rich Slowly 

Unblocking Clients Who Keep Not Implementing By Exploring Their Financial Psychology, With Ed Coambs. 

 Why Checklist-Style Financial Planning Works: What Advisors Can Learn from Dave Ramsey’s Baby Steps. 

Buying Things vs. Buying Memories

7 Most Common Financial Regrets

five building blocks for managing and growing your money 

6 Things That Are Preventing You From Getting Rich 

The High Cost of Retail Therapy

The Power of Less

The Diderot Effect: Why We Want Things We Don’t Need — And What to Do About It

How Financial Wellness Differs from Wealth

A Crash Course in Self-Sufficiency 

Can I Avoid Default Risk if I Co-Sign My Daughter’s Mortgage? 

The Value of Monetary Advice: When getting rid of debt and managing money, look carefully at the value of the monetary advice you receive and the people giving it. Ask these questions first to help ensure you're getting good advice.

When You Just Can't Stop Spending: Helpful Tools and Tip

We empower Latinos to define and achieve their own American Dream. We believe in an America where economic, political, and social advancement is a reality for all Latinos, where all Hispanics thrive and our community's contributions are recognized. Our history Explore our impact.

"The price of admission to this stock game is emotional pain and suffering," says Tanvir Alam. "We need to stay in the game. Always. If we cannot, we will lose our money quickly and often." 

WHAT SEEMS TRUE about money often turns out to be false. That brings me to the financial paradoxes I’ve come across during my investing journey. Here are my top 12 

60 Good Questions to Ask to Get to Know Someone Better, According to Experts 

Learn How to Develop a Frugal Attitude 

The Ultimate Guide to American Personal Finance for New Immigrants

Skills Everyone Needs To Develop To Succeed 

How to Build Wealth at Any Age | DaveRamsey.com

Saving a Million Dollars is Easy!

What is inflation

How To Feel Rich Even If You Can't Get Rich.

This 7-Day Challenge Can Make You a Lot Richer

4 Easy Ways to Hit Your Money Goals Faster

Using Opportunity Costs to Live a Happier Life

Being Called Overly Frugal Or Cheap Means You're On The Right Financial Track 

How to Get Rich: Every Episode

Calculate Your Net Worth Quick!

Handling Sudden Income Changes (Good or Bad)

What is a brutal truth about life that needs to be said? 

Tips for Fighting Frugal Fatigue

100 Ways To Get 1% Better With Your Finances 

How to retire a millionaire: avoid debt, re-invest assets from cash, develop passive income streams, and slash expenses 

How To Retire a Millionaire With a 401(k) Plan in 22 Years 

How the Universe Works - S7 E2 When Supernovas Strike - SCI GO: we are made of stardust

Using Opportunity Costs to Live a Happier Life

 Guide to Avoiding the High Cost of Financial Literacy

10 Questions To Ask Yourself: How Your Money Can Make You Happier

5 Diet Secrets of the Longest Living People in the World 

A Painless Financial Check-Up 

Net Worth Targets By Age, Income, Or Work Experience 

10 Millionaire Spending Habits -- How Do You Compare? 

Personal financial spreadsheet templates 

5 Hardcore Ways To Save Money Like a Minimalist

Your Annual Financial Performance Review

What Does the Success Sequence Mean? (on how to avoid ending up poor) 

How Saving $2.75 a Day Can Change Your Life  

Keeping It : Staying rich is the hard part. the skills and strategies required to retain wealth are different from those required to build it. What to do? Here are some of the approaches that work well.

What to Do With a Windfall of Cash – 9 Healthy Financial Choices

Optimize every aspect of your life with more wisdom in less time. Now absolutely FREE. 

7 Habits of Highly Frugal People

Growing More Brain on a Budget

Oprah Winfrey | The Path Made Clear | Discovering Your Life's Direction ... 

The 5 Major Money Personalities: Which One Do You Have? 

Top 10 Reasons People Spend Too Much

100 Tips for a Better Life 

Create a Spending Plan for Unexpected Windfalls and Extra Cash

 How Your Neighbors Spend Their Money (aka the Average Household Budget)

The Recommended Net Worth Allocation By Age And Work Experience.

How long it will take you to become a millionaire

How to Join the Top 1% Wealthiest Americans 

Live Like a Millionaire

How your net worth compares. Using the Federal Reserve’s Survey of Consumer Finances, DQYDJ.com will tell you how your net worth—either with or without home equity—ranks relative to your fellow Americans. (In case you’re curious, DQYDJ stands for “don’t quit your day job.”)

How Much Net Worth Should You Have? 

If You Want to Get Rich, You Better Do It Slowly 

How to Pay Yourself First and Grow Your Wealth 

How to Break the Paycheck-to-Paycheck Cycle 

Your Money and Your Time: How to Master Both

Recommended Net Worth Allocation By Age And Work Experience 

Delayed Gratification Could Make You a Millionaire 

SMART Financial Goals | How to Set Goals That Actually Work 

How to Build (or Rebuild) Wealth  

Do You Have an In-Case-of Emergency Binder? 

Don’t Overdo It  

10 Cities Where Black Americans Fare Best Economically 

Money Games that Can Make Frugality Fun 

How to be mentally tough: Use the 1% marginal gains rule, says performance expert 

To Be Happy Now, Live Like You’re Already Retired

Financial Life Planner 

The Difference Between Wants and Needs

Why Smart People Are Poor

Can You Become a Millionaire in 10 Years?

How to Become a Millionaire by 40 

What You Should Do With All the Financial Advice on the Internet 

7 Millionaire Habits That Will Change Your Life 

Follow This Simple Chart to Become a Millionaire 

2 Personal Finance Rules of Thumb to Eliminate Debt and Build Wealth 

What Money Can Buy 

6 Types of People Who Have Trouble with Money 

The Unhealthy Desire For Prestige Is Ruining Your Life

10 Insights From 10 Financial Charts 

Women Still Aren’t Managing Their Money. What’s Holding Them Back? 

The Difference Between Lifestyle Creep and Improving Your Life 

10 Things You Must Know About Becoming a Millionaire 

The Ten Commandments of Personal Finance 

Why Adventure Should Be a Key Part of Your Goals 

What happens when you get everything you want 

Creating Better Money Habits: How to Adjust Your Environment to Support Your Financial Goals 

5 Things Your Millionaire Neighbor Isn’t Telling You 

12 Ways to Simplify Your Financial Life 

 What We’ve Learned from 200 Millionaire Interviews

Live Below Your Means: Your Path to Financial Freedom 

Martha Graham on the Hidden Danger of Comparing Yourself to Others 

8 Ways to Overcome Retail Therapy 

The 1 Percent Rule: Why a Few People Get Most of the Rewards 

The ABCs of Frugality: 8 Simple Rules to Spending Less and Enjoying Life More 

Living a Stealth Wealth Lifestyle : Stealth wealth is also the art of being logical and frugal, even though your money can afford to buy more. It’s the opposite of showing off wealth and success. Flaunting your financial status often comes with disadvantages, so practicing stealth wealth is a good way to avoid public or personal scrutiny. 

How to Be Happy 

Using ROI to Make Better Financial Decisions 

10 Things To Start Doing To Build Wealth  

How your childhood affects your money habits. 

How much money do you need to make a year to live comfortably? 

Using ROI to Make Better Financial Decisions 

10 Ways to Be Radical and Get Rich 

How Financial Advice Triggers Painful Money Shame 

The Rule of 72...or how to easily double your debt (or your savings).

What We've Learned From 200 Millionaire Interviews 

Financial coaching for African Americans: https://www.itsmymoneyjournal.info/services.html 

Out of Reach Financial Goals 

29 psychological tricks that make you buy more 

how to remember everything you read

Are You Average? Why Do People Want To Just Be Average? 

A Breakup Letter to the Joneses 

Being Frugal Without Looking Poor 

Famous Speeches: A List of the Greatest Speeches of All-Time 

7 Ways to Develop Better Money Habits 

9 Symptoms of an Unhealthy Relationship with Money 

7 Simple Living Lessons from Grandma 

Top 10 Reasons People Overspend  

21 Bad Spending Habits You Need To Break 

Oliver Burkeman's last column: the eight secrets to a (fairly) fulfilled life 

Living a Frugal Life - A Dime Saved 

10 Things You Need for Lifelong Financial Success 

The 'serendipity mindset': how to make your own luck 

28 Keys to Building Wealth — Even in Your 50s 

How To Live Below Your Means Without Sacrificing Your Happiness 

Stop Comparing Yourself to Others 

Dave Ramsey Baby Steps: How I Would Update For 2020 

What’s Your ‘Money Type’? Knowing It Could Help You Avoid a Financial Blunder 

When You Can't Repay a Loan to a Family Member 

What is Your Biggest Financial Risk? 

Mental models and building wealth

Get Addiction Help From the Experts : Millions of Americans from all backgrounds have a substance use disorder. Addiction doesn't care how old you are, how much money you make, or the color of your skin; it has no bias.

Substance abuse includes the use of illegal drugs, medications prescribed by your doctor, or even pills from someone else. It's hard to stop on your own, but help is available. Visit FindTreatment.gov to find support in many forms near you. 

How to Break Bad Financial Habits 

Answer to What does one learn from being exposed to the wealthy? by Samantha Kannan: https://www.quora.com/What-does-one-learn-from-being-exposed-to-the-wealthy/answer/Samantha-Kannan?ch=99&share=17dc6673&srid=EnGjp 

How To Feel Rich Even If You Can't Get Rich 

The Five Pillars Of Wealth Building 

The Sweet Spot 

You are the Financial Average of Your Social Network, Not Just Your 5 Closest Friends 

Everything You Need to Be Fiscally Responsible 

How Rich People Go Broke 

This is How Much Your Lifestyle Should Cost 

Treat Yo'Self: How to Splurge Without Guilt 

7 Steps to Financial Security 

Your Chances Of Becoming A Millionaire By Race, Age, And Education 

The 10 Golden Rules of Becoming a Millionaire 

What have you done to make your life financially easier? 

How to be Happy With What You Have 

Consider What You Gain Before Spending Your Hard Earned Money 

Discover the Real Problem Behind Your Overspending 

The 10 Commandments of Wealth and Happiness

11 Things To Do If You Saved Too Much and Not Enjoying Life 

The Upside of Forced Frugality 

The Emotions Behind Buying Stuff 

How Much Money Is Enough? Build the Life You Want, Then Save. 

15 Ways to Happy 

How To Want Less And Be Perfectly Happy 

Making More Money (and Memories) by Working Less 

Using the 80/20 Rule to Work Smarter, Not Harder 

 Tell Me -- What's the Hourly Wage at Which Someone Deserves Nice Things? 

Bad with Money? Think Again... 

Lifestyle Inflation Is the Insidious Killer of Wealth

15 Ways to Happy

Toilet Train Yourself to Become a Personal Finance Expert 

More Money is Great But the Goal Should Be to Enjoy It

68 Bits of Unsolicited Advice  

Three ways to attract more luck into your life 

How to Get Good with Money in a Year 

Steve Jobs Said 1 Thing Separates Successful People From Everyone Else (and Will Make All the Difference In Your Life)

We’ve Reached Peak Wellness. Most of It Is Nonsense.

Follow Your Passion is Bad Advice Unless… 

Always Remember: Your Work is a Temporary Transactional Opportunity: Here’s the lesson in all of this: your employer isn’t your friend. Your employer isn’t your savior. Your stay at any given employer isn’t indefinite. Your employment is a time-limited transactional relationship, with you trading your time and skills for money. Fully capitalize on the transactional opportunity while you can, by saving as much as you can, because you don’t know how long the opportunity will last.  

Mark Cuban shared his 9 rules to getting rich. Why I agree with six of them, disagree with two, and love one. - My Money Wizard

Don't Change Your Tool—Change Your Purpose - Darius Foroux

Liz Weston: How ‘maximizers’ can cut decision-making angst

Using Opportunity Costs to Live a Happier Life

Three Easy Steps to Determine Your Financial Priorities

Financial Goals: 22 Money Experts Share Their Thoughts on The Best Money Goals You Need |

Your Money, Your Goals | Consumer Financial Protection Bureau

The Importance Of Having Backup Plans - Taking A Look At My Plan B and Plan C 

'Plan B' Careers Help Insure Your Future

Money Mentor: A Trusted Financial Companion

Financial Order of Operations: How To Prioritize Your Financial Goals (podcast & article)

The Self-Driving Financial System: We talk a lot about budgeting, saving, investing, and all the other things that go into a good financial plan, but we rarely talk about how to actually put it all in place. In other words, how do you set up a system that sends money to the right places and keeps everything organized without you losing your mind or having to quit your job just to keep track of it all?

What Is Most Important: Earning More, Spending Less, or Investing?

When a family member is struggling financially, here’s how to help without offending 

Getting Addictive Spending Behaviors Under Control

How To Live a Meaningful Life (Hint: It's About Values) 

The Story Of The Mexican Fisherman [How Much Money Is Enough?]

What Is Information Avoidance?

If You Really Want Wealth, Get Comfy with Being Weird 

Personal Finance For The Financially Challenged

Don't Feel Guilty About Spending Money

Why financial literacy fails (and what to do about it)

Why Your Financial Wellness Matters

13 Ways to have Profound and Rare Life Experiences 

The 1 Percent Rule: Why a Few People Get Most of the Rewards

My life philosophy: 51 lessons from 51 years

Your Desk Will Not Attend Your Funeral – Personal Growth

Why Quitting Your Job to Chase Your Dream Is a Terrible Idea

59 Skills Frugal People Need to Master

FINRA for Investors: FINRA is here to guide you through the investment process so you can make smart financial decisions. We offer tips to help you manage your personal finances and set sound financial goals—and we explain in plain language key investing concepts, different types of investments and investment professionals, and questions to ask. We also provide tools and calculators to help you make informed financial decisions—and we show you the steps to safeguard those investments and where to turn if a problem occurs.

15 Personal Finance Rules You Should Know by Heart

Personal Finance Course: How to Organize Your Money (the purpose of)

How to Increase Your Financial Literacy & IQ - Why It Matters

Nobody Told Me ............it took me a decade or more to learn many of life’s most important money lessons and, indeed, some key insights have only come to me in recent years. Here are 10 things I wish I’d been told in my 20s—or told more loudly, so I actually listened.

Keys To Long Term Financial Success Starting In Your 20s

50 Good Personal Finance Habits Everyone Should Follow

Finding frugal friends

10 Ways to Be Radical and Get Rich

8 Emotional Triggers That Cause People to Spend

A Different Kind of Financial Security

7 Steps to Financial Security

This Simple Journal May be the Fix for Your Finances

The Magic of 80%

These Financial Vices Cost Americans More Than $2,400 Per Year

Tips for getting out of poverty

Using ROI to Make Better Financial Decisions

Financial Counseling for Money Disorders

The Difference Between Wants and Needs

How to Resist These 4 Rationalizations to Spend Money

Making the Transition From Spender to Saver to Achieve Financial Freedom

What Does Financial Wellness Look Like?

Your comprehensive guide to frugal city living

100 Best Frugal Living Tips For Beginners

10 Posts to Motivate You Towards Your Financial Goals

11 Secrets to Getting More Done

How to Set the Perfect Goal in 6 Easy Steps

Successfully Setting Monetary Goals

Goal tracker

8 Signs You’re a Shopaholic — and What to Do About It

20 Simple Ways to Slam the Brakes on Impulse Buys

How Writing To-Do Lists Helps Your Brain (Whether Or Not You Finish Them)

Smart Financial Moves You Can Make in Under an Hour

The 7 Wonders of the Personal Finance World

Want to Improve Your Finances? Just Say No

Wealth-Building Secrets of the Millionaires Next Door

Could You Recognize A Millionaire?

The Next Millionaire Next Door

Live Like a Millionaire

Yes, you can be a millionaire. Here's how 

Infographic: America's Growing Financial Literacy Problem

CNBC: 52% of Americans have cried about money—but this simple 3-step plan can help

8 ways to conquer anxiety about money

These 6 lifestyle changes saved one couple $1,200 a month

The Real Benefit of Being Rich | Mr. Money Mustache

3 More Secrets to Living Like a Millionaire | 

Time-Tested Tactics to Build Your Wealth

How to read more books

How Less Helps You Do More — Minimalism And Your Brain

Here are smart money moves for long-term financial security

The Money-Saving Benefits of Making Lists

Women Live Longer Than Men: Don't Run Out of Money

38 Secrets for Financial Success: My Personal Finance Manifesto – Len Penzo

Why It Pays to Sleep on It Prior to a Big Decision 

Money Can't Buy Happiness – See The Truth Behind Money & Happiness

When you’re struggling with the basics, a financial fitness coach or an accredited financial counselor may be a better fit than a financial planner. Financial coaches and counselors specialize in budgeting, debt management, retirement planning and creating better money habits in general. Coaches and counselors in private practice typically charge $100 to $150 an hour, although many work on a sliding scale. These accredited financial professionals also are employed by the military, credit unions and other organizations to provide services for free or low cost. You can start your search at https://www.afcpe.org/.


QUOTES:

Shop With a Purpose:  Here is a tactic I found helpful when using "shopping therapy" that others might find useful. I kept a running list of items that I would need to buy but weren't "urgent," like:

You get the idea. Then when I really had an urge to shop, I grabbed the list and killed two birds with one stone. I got to shop and got errands done simultaneously without going over my budget.Another tactic was to allow myself to shop, but only in certain stores like Goodwill or St Vincent De Paul. Peggy S. from Dollar Stretcher Tips


What Do You Spend Money On?One thing I have learned that has greatly impacted my financial life is finding out that spending money on experiences brings me more happiness than spending on possessions. I used to buy a lot of little things on impulse, which would clutter up my home. When I sat down and really thought about the happiest moments of my life, I realized it was on trips we had taken or when going out to a favorite restaurant. Realizing this has caused me to stop spending on little things, declutter my home because a clean home makes me more peaceful, and save that money instead for doing more of what I really love. This does not have to be expensive. We take day trips to the beach or a lake. We save until we can afford a really nice restaurant, instead of eating take out. And now I have satisfaction and joy that no previous purchase could have given me, while enriching my life with new memories. Julie S. from Dollar Stretcher Tips

Context for Impulse Buys:  I love shopping online. However, I don't enjoy the end-of-month statement.

When I come across something I think I want, I print out a copy of the item and put it in an envelope with my bills to be paid. When it's time to pay bills, I review the items in the "want" envelope after paying bills. More often than not, I find incurring more debt isn't worth it. Peggy from Dollar Stretcher Tips

💰️ The Key To Getting Rich: Driving an Old Car?

We all want financial security. Among a group of “super savers” surveyed, a remarkable 98% of them feel their savings habits have created financial security in their lives. The Principal Financial Group report defined “super saver” as putting $17,100+ into a 401(k) account in 2019 or deferring at least 15% of their salary into a tax-protected retirement account. What specific actions have they taken to enable all that savings, and the financial security that comes with it? The No. 1 trait of someone who lives on less than what they make is they don’t give in to new car smell,” Clark says. Here are the five most common answers from the report:


PODCASTS




YOU TUBE

1) Do You See the Signs of the Universe? 

2) The art of being yourself 

3) Oprah Winfrey's Life Advice Will Change Your FUTURE!