T.J. KLUNE

It is possible to make a budget work while still saving enough to retire. It starts with learning to change your habits so you can put money aside.

It is not that easy to make any sort of real, lasting change in your habits. You will have a few setbacks, and that's ok.

Those trusted few are the voices of truth and we need as many voices of truth as we can get. 

“We’re going to have to let truth scream louder to our souls than the lies that have infected us,” writes Beth Moore in “So Long, Insecurity: You’ve Been a Bad Friend To Us.”

Few of us are so impervious to the voices of the streets that we don't get affected. That's why we gravitate to certain districts that can respect and like us and avoid those that reflect negativity.

Thus we should take care of the buildings we spend time around. Their voices are likely to...