For a good deal of my life, I lived under a dark cloud of fear that I would end up financially destitute—a bag lady. Studies reveal that I’m not the only one. Most of us have felt that way, not because we’re broke, but because we lack confidence. That makes us timid, worried and financially insecure. Look, we don’t have to accept financial insecurity as some kind of life sentence. And that constant and gnawing fear of becoming destitute? Forget it! We can do something about this.
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