Well said!  Budgeting is no fun at all, but pays divdends in the end.  - from one sack lunch carrier to another

I have averaged almost 12% on my entire portfolio over the past 5 years.  I am sure my financial advisor is getting paid well, but until I see a decline, he will continue to steer my investments.

It's not that complicated if you are fortunate enough (or deservingly) to exist with the means to set aside savings.  It's simply a matter of planning and common sense.  I am very aware, that there are a lot of people with different cercumstances out there, so apologies - this is not meant to offend:   1. Go to Col...more