Jean Chatzky

“Once you're retired and are no longer counting on earned income to live on and supplement your nest egg, you're done with disability insurance. At that point, though, the need for long-term...”

“Optimism is an expectation that good things are going to be plentiful. The wealthy generally have the sense that life will bring good rather than bad outcomes. That doesn't mean they believe...”

“If you're not clipping coupons before going to the grocery store, you're overspending. If you're ordering in or going out to dinner because you don't feel like cooking, you're overspending....”

“If you haven't gotten a raise in the past couple years for a job well done, it might be time to ask for one.”

“When something you use again and again is on sale, take advantage. This strategy doesn't apply to perishable items, and you don't want to buy so much more than you need just to get a deal, b...”

“You may be basing a portion of your self-worth on your bank account without even realizing it. Try to pinpoint the activities and qualities that, free of charge, fulfill you.”

“Use visual cues to prompt yourself to put away more. A photograph of the beach house where you and your husband can envision spending your retirement will remind you to bump up the contribut...”

“I give out similar advice all the time: Take a month to write down where your money is going. By the end, you'll have a road map that tells you where you can cut back.”

“I'm big on setting goals, but I also think that if you have too many lofty ambitions and set goals for everything, you can sabotage your efforts by overextending your brain.”

“After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.”

“I've gotten emails from people who purchased items from an infomercial, only to find out that the shipping was more expensive than the item itself. The lesson: If you truly want to order som...”

“Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. Both are investments worth making, and both come with...”

“July is high burglary season because so many people leave town. To help avoid making that obvious, suspend your newspaper subscription and have your mail held. Another clear indication is if...”

“These days, checks are direct-deposited, money comes out of a machine in the wall, and we swipe a plastic card to make a purchase. In other words, your kids can grow up thinking money comes...”

“There's a laundry list of reasons why not to borrow from your 401(k). While the money is on loan, it's not working for you - and if you leave your job, you'll have to pay it back in 60 days...”

“Joining finances can be tricky. Money has long topped the list of topics couples fight about.”

“People with financial plans are much more likely to feel prepared, even in tumultuous times. They're more likely to feel that their dreams and goals are secure. And, oh yes, they do actually...”

“Web banking lets you monitor your spending, tweak your budget, schedule payments, and more, particularly if you marry your online bank with the personal-finance management tools available on...”

“Being charitable provides a boost to your psyche that is tough to replicate in any other way. But note that although any charity will happily take your money, you can give in other ways and...”

“Getting a tax refund is nice, but having more money year-round is better. If you get a chunk of change from the IRS, you're giving the government an interest-free loan - not something they,...”