It never hurts to find ways to earn more money for the future. Check out these 8 investing tips for beginners and start bringing in more each year. The average American is saving less money than ever before. As a percentage of their income, it’s down to 2.4%.

With such little capital to work with, many people choose to avoid investing altogether and either ignore their impending retirement or work well into it to make up for the difference.

My neighbor Tom has the biggest heart… and the biggest house, the biggest truck, the most outdoor furniture one backyard can hold, and three garages stockpiled with stuff. He’s our neighbor who loves to host every neighborhood party featuring everything you could wish to eat or drink. He seems to have all the advice on the best vacation destinations. And, he is the first one to give anything away upon casually overhearing that someone is in need.

Although my husband and I do our best to be polite and gracious of his friendship and goodwill, we often wonder at what cost Tom does all of this, both financially and personally. Tom and his wife do well for themselves, this much I know.