Keeping a flimsy budget
Many of us don’t realize just how much we should be saving every month. While I don’t want to discredit those who are putting a side a few hundred bucks a month, I also must urge us all to remember that even a brief bout of unemployment, or a medical bill that eats up our deductible, could obliterate our savings in a matter of months. We need savings both for emergencies and retirement. Many of us only save enough for just one or the other.