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33 Comments

  1. bear

     /  January 25, 2012

    Great Post. I wish I had read it 34 years ago.

    Reply
  2. I recently read that everyone should have enough money in their account for two months worth of expenses. That way if they lost their job or had other unforeseen circumstance there would be a cushion. Well written post Red!

    Reply
    • What you read was old. I will refer you to the Emergency Funds tag as well. Sound financial advice is much more than two months 😉
      Red.

      Reply
  3. I had all my debt eliminated, when wham pow, I became ill. I was just laid off and had 4 days left on my health insurance. But, the doctor in the ER wanted to discharge me and I refused to leave, so since he thought i did not need to be there, the insurance did not cover what turned out to be a 3 day stay. They wanted to do more “tests,” but I was so intimidated by the huge medical bill, I let them kick me out.

    That led to losing my apartment before the lease was up, which incurred break-lease fee charges, etc etc. My credit is now a mess because of these bills, but what can I do. I used to have a house, three cars, and a daughter who did pageants, recitals, riding lessons, dance, etc etc – all while maintaining a household with TWO child support payers (me and my hubby paid child support to kids from prior marriages) so its not like I am irresponsible.

    Reply
    • Unfortunately, this happens more than any of us would like to admit. I find in most instances the dire straits created are foisted upon those who were actively contributing members of a society who fails to see beyond its own immediate benefit. It is a sad commentary on society as a whole.
      Red.

      Reply
  4. Turns out I’m screwed. How do I pick an financial advisor?!?

    Reply
    • Not necessarily. How old are you?

      And good financial advisers are generally not found at financial institutions. They are usually independents with small practices. They need very few clients to sustain themselves. It is a testament to their prowess.

      Yes, I am biased. As an accountant, I refused to join the ranks of the lunatic fringe modern financial establishment. I am retired, but I bet Phil can advise you. Scroll around until you find Bill the Cat. 😉
      Red.

      Red.

      Reply

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