Dan Kadlec for Time Moneyland:
TD Ameritrade separated financial doers from financial dreamers by identifying eight sound money practices. Doers engage in at least five of these behaviors; dreamers engage in just four or fewer. Where do you fit in? The behaviors:
- Act more like a saver than a spender
- Live within your means
- Automatically deposit money into savings each month
- Stick to a budget
- Track household expenses
- Pay off credit card debt in a timely way
- Regularly contribute to a 401(k)
- Have contributed to an IRA
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