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[quote=Anonymous]Yes to YNAB! The other tool that really helped me was Elizabeth Warren's book All Your Worth (yes, that Elizabeth Warren. This book was written before she became a politician and its very good). She is the one with the Needs/Savings/Wants formula mentioned above, and goes into it at length. Her other book The Two Income Trap was also helpful to my two-income family - helped us figure out how to balance our spending to mitigate the risks she identified. But the All Your Worth book is the practical one.[/quote]
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