Meet with a financial planner who will give you several scenarios helping you to see how changes to your monthly saving/spending will affect you. Track your spending. Pay yourself...(more)10-14-2008 9:08pm
(savings) first -- discretionary spending is what's left over AFTER savings, not the other way around.
it's not overwhelming at all. the site is designed for people who don't know what they're doing and takes you through it step by step. the message boards are also really helpful. I...(more)10-14-2008 9:13pm
think it's a great place to start and they explain it all.