Take an active interest in managing your money.
Oh, for the days when you went to work every day for 30 years, retired and took home your gold watch and sat contentedly in the Lazy-Boy lounger while your steady pension check arrived in the mail every month. Today, most of us don’t have a pension and we must figure out the best place to stash our retirement money, or how to manage our 401k accounts. Not only that but you can bank practically anywhere on earth and charge nearly all of your expenses on your credit cards.
All of those choices mean that you must understand that much more about all of these different financial services. If you are a person who doesn’t understand the basics of investing or paying taxes or balancing your checkbook, your money will suffer and sadly, that affects you.
How do you learn about all these topics? Your library has a plethora of books on managing your money. Do yourself a favor and read five or so books to familiarize yourself with your money. Once you have got the basics down, once per year, skim through a few of the latest books to see if there is new information available that will benefit you.