There Is No Excuse for Being a Financial Moron

Prior to my fortieth birthday (I’m 55 now), I was a financial moron. I wasn’t good at making money, and I wasn’t good at saving money. My financial IQ was appalling. Rudimentary financial concepts such as “pay yourself first,” “build an emergency fund,” “automate your savings,” and “invest in low-cost index funds” were utterly alien. …