What to Do Now to Retire Better
Learn the money basics
Two books to consider: “How to Think About Money,” by Jonathan Clements, and “Heads I Win, Tails I Win: Why Smart Investors Fail and How to Tilt the Odds in Your Favor,” by Spencer Jakab.
The Investor Protection Institute’s site, iInvest.org, offers free guides that explain stocks, bonds and mutual funds. You might also consider taking a personal finance course at a community college or checking the online offerings on sites like Coursera.org.
Sketch out your monthly budget
Add up the fundamentals (your rent, utilities, groceries, transportation, student loans and car loans) and subtract from your monthly after-tax pay. Websites like Mint.com and YouNeedABudget.com offer free software to track spending and set up budgets.
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