Aaron Katsman

For most investors, a slow and steady approach is the path to financial success.

While Moody’s may be worried, investors should focus on the facts and that’s reason to be bullish.

“Optimism is the madness of insisting that all is well when we are miserable.” – Voltaire

Any savings are better than no savings. But it’s better to be smart about your finances.

Tim Ferriss: "If retirement means laying on a beach and rubbing cocoa butter on your stomach, about 48 hours of that will be enough for most people. You'll want something new."

Make sure that your legacy is a fond one for your heirs, and that no one is forgotten or slighted. Do all involved a favor and update your will and any beneficiary designations.

Let’s use optimism, before reality strikes, to get our children on the path to financial independence. It’s a win-win: They become financially secure, and we don’t need to support them.

A good time to have a conversation about money might be during preparations for the holiday as we spend huge amounts of money.

“There is no dignity quite so impressive, and no one independence quite so important, as living within your means.” – Calvin Coolidge

People's decision-making regarding money can set them up for long-term financial security or a life of debt and poverty