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Dave Ramsey says families can save $3,500 a year by eliminating these for luxuries from their lives:

• Daily lunches out: Save $1,040 per year
• Premium cable packages: $792 per year
• Unused gym memberships: $468 per year
• Regular coffee trips: $1,200 per year

Here's my take on this:

Yes, I realize this post is a couple months late for many. You can use it next year!

As tax season is close to an end, I wanted to share this tool from Dave Ramsey about whether you should do your taxes yourself or hire a tax pro.

It takes you through a series of questions and then recommends a solution.

My guess is that the simpler your taxes are, the more likely you'll get "do them yourself" and the more complicated they are the more likely you'll get "hire a pro."

I took the test and it came back with "hire a pro." Which is good since I've used a CPA to do my taxes for years. Why? There are tons of reasons why you should hire a tax pro, but here's one great reason from the end of Dave's survey. It's a quote from someone who hire a tax pro:

Here's a video on how the wealthy get up early. 

It says they rise three hours before they go to work and use that extra time to advance their lives and their fortunes.

They spend a good portion of the morning reading to gain knowledge. They also exercise aerobically 20-30 minutes a day -- which also makes them smarter (the video goes into the biology of how this happens). Combine these two and you have smarter people who do more in life and their careers, and thus make more money.

A few thoughts:

Here's an interesting comparison between the first-year costs of buying a dog versus having a child.

The bottom-line numbers are $1,024 to $7,604 for the dog and $10,360 to $49,209 for the child.

A few thoughts on this: