These are tough times. And many of us are feeling it in our wallets. But .. No matter how tough times are, we can’t forget the basics. And the subject definitely is one of the basics. And, without the basics taken care of, how can you get started?
Below is one of the best articles we have ever read on the subject. It lays everything out nicely, it’s easy to read, and, understand, it touches on all of the key issues, and, best of all, when you have finished reading it, you will definitely know which is a very good direction to take given your circumstances.

Summary: from the comments and email I am getting it is clear that the concept of starting with HAPPY is totally inconceivable to most of you. In my response to a

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Coming from vs Going to
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