Here’s a dreary, Holiday note. Just spent an hour with our financial advisor, a very cosly gent who has not taught us anything new since we met. We hire him – crankily – just to come around once a quarter to tell us to spend less dough than we make. He is worth every penny.
I am now going to do the same for you for free. I am a really old guy and one thing i really know: there are few things to make you feel low-grade rotten all the time than vaguely knowing you are in financial trouble.Here is some sensatioinal advice: KNOW WHAT’S GOING ON. Keep track of how much you spend a month. IN detail. Then take a shot of leading a rational life. Not much hope, I know, but it’s a start.