For many people, establishing good habits is a matter of extremes. If you’re trying to drink less coffee, you might go cold turkey instead of downsizing to one cup a day. Trying to spend less money? Looks like it’s time to lock yourself in your house all weekend and delete Seamless off your phone. It might seem like your only alternative is to settle for paycheck-to-paycheck living, or to shell out for an expensive advisor. But if you want to create better, more doable rules for yourself when it comes to your finances in particular, you really can think much more simply.
At least, that’s the motto of Helaine Olen and Harold Pollack, the authors of The Index Card: Why Personal Finance Doesn’t Have to Be Complicated. In their book, Olen and Pollack explain that all the rules you need to weather your current financial situation could actually fit on a four-by-six index card.
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