Save your money. Start now—even if it’s the smallest amount. Put it away, and it trains you to keep doing it. You’re old a long time, and it’s very expensive. Start a separate bank account for the money, and it never gets touched. Or, buy a bond every month—something that you won’t get at. Look at your parents or grandparents—what would they do if they didn’t have a nest egg? Start now, so you’ll have a long time to accumulate—and it does accumulate, the same way your bills accumulate. I wouldn’t care if it was $5 a month. It’s just training you to start saving. I always said to my kids, “You’re young for a short amount of time, but you’re old forever.”
Kathy Sellers is a loan originator for Mutual Bank in New Buffalo who has been married for 43 years.