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The terrain: Prosperity Quadrant IV (negative cash flow; positive net worth). College costs are rising, Continue reading Special Situations: Live Within Your Means: Reduce College Education Costs The activity: Reduce college education costs. College costs are rising, student debt is mounting, and most Americans say college fails to Continue reading Cash Flow: Live Within Your Means: Reduce College Education Costs Most retirement calculators and planners aim for decades of level spending, but most people reduce their spending as they move through retirement. That’s a disconnect that can significantly skew the results of the typical planning exercise, says a study from the Society of Actuaries and the Actuarial Foundation. It could lead workers to take greater Continue reading Retirement Expenses Change – The 4 Phases The best way to begin getting the debt and spending under control is to reduce your monthly expenses. And one good place to start is to focus on reducing your variable expenses. Variable expenses include those that can be changed or eliminated entirely. Variable expenses are those that fluctuate each month, such as clothing, food, entertainment, vacations, Continue reading Reduce Spending and Debt by Looking at Variable Expenses The path to prosperity – it’s more than a cliché. To say that we are on a path to prosperity is to define a destination – a state of well-being, a comfortable lifestyle, an ability to enjoy life and help others. To say that we are on a path to prosperity is to underscore the many steps Continue reading Path to Prosperity – More than a Cliché Can money buy happiness? Much research has been done that shows that income has a reliable, but weak, relationship with being happy. While incomes have surged in recent decades, happiness levels have remained static, showing no sign of people being happier as a result of their increased income. A University of British Columbia study (”Spending Money Continue reading Prosocial Spending Makes Us Happy – But we Prefer to Spend on Personal Wants Being with family and friends makes us happy. Studies have found that regularly seeing friends and family can provide a huge boost to our happiness. Money helps in this regard, allowing you to go out to dinner with neighbors, travel to see old friends, take your family on vacation and go to the theater with your Continue reading Money Can Buy You Time With Family and Friends |
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