If You're Going Down The Street And

To Make The Most Of Your Money, I Recommend Sticking With Mutual Funds That Don't Charge A Commission When You Buy Or Sell.

In January We Start Saving Money, Getting Out Of Credit Card Debt, Funding Our Retirement Accounts, And We're Doing Wonderful. Then, Every Single Year Like Clockwork, Starting In November, All Of You Fall Into This Trap That Says, 'i Have To Buy This Gift... I Can't Show Up At This Party And Not Have Something For Everybody.

The Most Important Loan To Pay Is Your Student Loan. It's More Important Than Your Mortgage, Car And Credit Card Payments. You Cannot Discharge Student Loan Debt In The Majority Of Cases.

Cash - In Savings Accounts, Short-term Cds Or Money Market Deposits - Is Great For An Emergency Fund. But To Fulfill A Long-term Investment Goal Like Funding Your Retirement, Consider Buying Stocks. The More Distant Your Financial Target, The Longer Inflation Will Gnaw At The Purchasing Power Of Your Money.

I Think They've Been Baby Bummers.