Magazine

Table: Avoiding Financial Catastrophe


1. Establish a financial identity

Have your own IRA, credit cards, checking and money-market accounts

2. Hire a network of professionals

Build a trusting relationship with a financial adviser, accountant, attorney, real estate agent

3. Create monetary discipline

Budget, track your spending, avoid monthly credit-card balances

4. Continue your financial education

Take classes, subscribe to financial publications, read books, surf the Internet


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