Readers: a quick addendum to the other day's post on big-ticket decisions:
Some big-ticket decisions can hide in plain sight... by masquerading as small decisions. Consider:
1) Making (or failing to make) a one-time decision to contribute regularly to an IRA or 401(k) plan.
2) Making (or failing to make) a one-time decision to set up an automatic savings plan to build up a portfolio of income-generating investments like dividend-paying stocks.
3) Creating (or failing to create) an emergency fund of at least 1-2 years of expenses so you'll never have to borrow and pay interest when an unexpected large expense happens.
These may not look like big-ticket decisions today, but ten or twenty years from now, trust me, they will be gigantic decisions. In retrospect. The thing is, you have to make them correctly now, before the window of opportunity begins to close. You can't get these decisions right if you put them off.
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