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[quote=Anonymous]I hate the idea of marrying somebody who wound up being a high earner as a good financial decision, because it was a love decision and not a financial one, but if that counts, that was mine. (But no I would not have married him if his financial plan was his band making it big and he went into credit card debt to buy TVs or something).

I think my best financial decision was just getting interested in micro finance when I was really young (I was raised Mormon and my first lesson about being wise financially was when I was younger than 10). I knew very young to avoid credit card interest, that compound interest was magic (if you’re the one getting it), the importance of diversifying your investments, that you don’t count on real estate as a good investment because it’s a matter of timing the market which is dicey (so a house is a place to live and not a money-making machine), and that it’s investing and not saving that’s going to get you your nest egg. And I always knew that if you have money leftover after your savings are taken care of and needs are met, you spend it on experiences and not things. Oh and unless you get an extremely low interest rate, avoid significant car debt.

Sometimes one-time things make a big difference but I think typically it’s all the little things added up that give you sure financial footing. [/quote]

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