, and data from Business Insider and Insider Intelligence's Master Your Money Invest & Thrive Survey shows that many believe their income is the biggest hindrance.
Of respondents who had financial goals — a sample size of 1,807 — 54% said one of the main barriers to reaching their goals was career or salary limitations . Savings and spending are intertwined. Zuzana Brochu, a certified financial planner and vice president of financial-planning strategy at People's United Advisors, told Business Insider that every "spending plan" should start with a line item for savings.or contribute to a retirement account but feel like you don't have enough disposable income to do so, try reversing your thought process.
If you're left with nothing or end up in the red when you use this strategy to save off the top, it's probably time to reevaluate what you consider necessary expenses. Chances are there's room to make some cuts.are two of the greatest tools in modern money management.
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