Consumer debt kills wealth. 

Never keep more than you need in cash or in a checking account.

Create a roadmap to increase your chances of achieving your financial goals.

Focus on the 5-10 Big Wins, rather than 50 little things.

If you can afford to put the full $19,000 into your 401(k) this year,

Check on your asset allocation periodically to ensure it matches your overall risk tolerance. Do not obsess over the details that could lead to emotion-fueled mistakes.