The Richest Man in Babylon
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
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Here is a quick history of the Federal Reserve and an overview of what it does.
You face a risk for which the market does not compensate you, that can not be easily reduced through diversification.
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.