If you don’t have an emergency fund, your life is a high-wire act with no safety net. Emergencies are inevitable. Life is full of them.
Build a better habit: Make a commitment to change. Write down your pledge and put it where you’ll see it. This will allow it to reinforce your resolve. Keep the change at the forefront of your mind and tell yourself continually, “I can do this.”
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As 10,000 baby boomers turn 65 every day and count down the minutes to retirement,…