From Streettalk Off The Street December 26, 2012 - 12:03pm
WALL STREET JOURNAL
December 26, 2012
By: Brett Arends
Most financial-planning advice, like most New Year's resolutions, is too complex or too banal.
Half of it is designed for Type-A drill sergeants who already alphabetize their refrigerators. The other half you've heard before.
Let's assume you are already paying off your credit cards, contributing to your 401(k) at work and flossing after every meal.
Here are six unusual, and doable, smart money moves for the new year.
1 Work out your biggest savings goal.
Many people working today are likely to live for three decades after they become eligible for Social Security, but few of them have a clue what that means financially.
Just 42% of working-age Americans have even tried to calculate what they will need in retirement, according to the Employee Benefit Research Institute, a Washington, D.C.-based think tank.
The grim reality: 60% of the...
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