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Budgeting is a pain. But what’s more painful is a bill you can’t easily pay, debt that costs a fortune or not having enough money to retire.

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Yes, the government is delivering one-time payments to adults, but those are still weeks away.

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Americans continue to wildly overestimate how much fuel it takes to start an engine versus to keep it running. The reality is, once you’re stopped, your car is wasting fuel after about 7-10 seconds of idling. That’s why newer cars have a feature that shuts the engine off during stops when the brake is applied. The car’s still on, but the engine isn’t. Push the accelerator pedal and the engine snaps back on — off you go. Some people find this maddening, but the gas savings is real. If you want to maximize mileage, don’t disable the auto on-off feature.

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Just as single-income families began to vanish in the last century, many of America's elderly are now forgoing retirement for the same reason: They don't have enough money. Rickety social safety nets, inadequate retirement savings plans and sky high health-care costs are all conspiring to make the concept of leaving the workforce something to be more feared than desired.

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