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As I drove by the credit union, I noticed their sign showing rates for both 15-year and 30-year mortgages. I thought to myself, "Why do people take out 15-year mortgages?"

New cars, and their associated payments, are one of the top reasons why so many individuals and families fail to achieve financial security.

Mark and Bethany were surprised to learn that paying an additional $30 a month to American Express could generate additional cash for their retirement.

If you are experiencing the same result (too much month left at the end of the money), don’t waste your time documenting what doesn’t work. That’s all the upside-down budgeting template will do.