so what should people do? what are some tips? first thing you have to do is go back to basics. i know that this sounds like advice you have heard before. you have to look at your money, what s coming in, what s going out, and where it s going. only when you see that flow of your money can you start to make changes about where you want your money to go. start with the small stuff first. trim the small expenditures. if that s enough then you focus on the the big stuff. that s the expense side. but what about on the income side? as we said, if people are tap ing their retirement accounts, people feel they need that extra income. what do you do instead of tapping the 401(k)? you know that the job market has continued to be strong. so if ucht to look at the other side of the equation, you look the a whether it s been a long time since you have gotten a raise, you look at whether you
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