I don't usually write about money. My practice is about physical health. But the reality is, you can't be truly physically healthy if you are not also mentally, emotionally, spiritually and financially healthy.
So by way of encouraging you to put a little thought into your financial health, I'd like to recommend a book. Money: Master the Game is an excellent place to start. It will save you time and money by taking advantage of the insights Tony Robbins shares.
I've learned the hard way that many of the suggestions Tony doles out are true. I've paid high fees in mutual funds, chased performance in managed funds, started saving too late, failed to create a plan and be committed consistently to it. I know I'm not alone in this. Financial information is contradictory and confusing. Everybody has a point of view.
There is no "spoiler alert" here. I won't even begin to boil down the 600 pages for you. I'll just encourage you to take your time, read it and ACT on it.
So while this is not in my scope of practice to consult with you on money, let me refer you to an expert; Tony Robbins.