eschew debt
I guess I am doing better than avg in my class in financial assests, I believe my "secret" is to keep the debt burden low, now less than 10% (payments/net inc), all in a 15-yr fixed-rate mortgage.
I am the one in the househould always wanting to build financial assets, hoping to have a comfortable retirement and cushion to weather any career changes, while my wife wants to spend now; ergo I control the bulk of the cash flow. She'll occasionally mention friends of her family who fastidiously saved throughout their career, and the husband died of a heart attack soon after their dream retirement began.
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