I've got a guest post up at Get Rich Slowly on why now — when interest rates are very low — is the time to think long-term.
Frugality sites are full of advice for cutting your expenses right away. Living cheaply for the long term is different. Call it "strategic frugality."
Your IRA and 401(k) (or 403(b) if you work for a non-profit) are great tools for deferring taxes, and have other advantages as well. But because they're labeled "retirement" accou
Budgets tend to focus on needs--food, shelter, heat, light, transportation, and (of course) taxes. They also provide for wants, but generally the smaller, shorter-term wants--cabl
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