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Danh ngôn của Jean Chatzky (Sứ mệnh: 7)

Wills are trumped by legal titles to real estate or beneficiary designations on financial accounts, retirement plans and insurance policies.
After two decades of personal finance reporting, I've heard every excuse in the book for not saving money. That said, none of them really hold up - at least over the long term.
There are two things that you need to save for. First, you need an emergency cushion of no fewer than six months of living expenses. This needs to be cash in a liquid account where you can get at it in - yes - an emergency if you need it. In other words, money markets, not CDs. You also need to save for your future: that means retirement.
Resilience isn't a single skill. It's a variety of skills and coping mechanisms. To bounce back from bumps in the road as well as failures, you should focus on emphasizing the positive.
Debt certainly isn't always a bad thing. A mortgage can help you afford a home. Student loans can be a necessity in getting a good job. Both are investments worth making, and both come with fairly low interest rates.
In money, and in life, you are very often your own worst enemy. You promise yourself you're going to diet, then eat not one or two French fries but a whole plate. You decide to really commit to saving for retirement, only to wind up with a new pair of shoes in your closet.
While you're going through this process of trying to find the satisfaction in your work, pretend you feel satisfied. Tell yourself you had a good day. Walk through the corridors with a smile rather than a scowl. Your positive energy will radiate. If you act like you're having fun, you'll find you are having fun.