Forty bucks. Forty bucks burning the proverbial hole in my pocket. I’ve been a debit card guy my entire working life. But not this week. For the first time in more than 10 years, I have a small wad of cash strapped to my wallet.

I’ve been frustrated for just as many years with my inability to sock away much of anything. I don’t have a lot of debt but not much in savings either. In fact, if it weren’t for my company’s generous retirement plan, I would have exactly zero saved.… Read the rest