Live below your means: The most useful move you can make isn’t an investment move at all. It’s to save. Don’t overspend, don’t run up debt, set something aside every month. The math is simple and unforgiving. Save too little, and smart stock picking and sharp fund selection won’t bail you out. Save enough, and you’ll make it even if you’re an investing klutz.
— Eric Schurenberg, Managing Editor, Money magazine; May 2006
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