Not sure where your money is going?  If you feel like you are working really hard, earning a good income, and constantly feeling like you are living paycheck to paycheck it’s time to figure out where your money is going.  Using a software like YouNeedABudget.com (YNAB) or Mint.com will help you understand where you are overspending.  At my office we also have an aggregation tool that allows you to link all of your accounts, so you can see your net worth in real time.  This type of tool allows you to see if you are headed in the right direction – and if not, you can address it immediately.

Next time: Part 5 – Hire a financial advisor to help