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When individuals earn money, their first responsibility is to pay current expenses such as rent or mortgage and food. Once these expenses have been covered, the next step should be to fund a retirement plan.

How much difference will funding a vehicle such as a Roth IRA early on in l...

Write down the answers to these four questions.

1. What was the ONE best thing that happened last year?
2. What was the biggest challenge you faced last year, and what did you learn?
3. What do you hope will happen this year? It could be goal-oriented or be an inner change.

(For instance, everyone knows there are cycles in the auto industry. Eventually there are going to be three or four up years to follow three or four down years. There always are. Cars get older and they have to be replaced. People can put off replacing cars for a year or two longer than expected,...