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Savings & Spending Tips The Trade-Off Buying a fancy car or a bigger home today would probably mean you have less money going into your retirement account or being invested for your child's college education. That's a trade-off. Maintaining this balance is one of the secrets to successful cash flow management. Cash Management Tip When you received your last pay increase, did all of that additional money go into your checking account every month, or: Did at least some of it get funneled immediately into a tax-qualified investment for retirement? Did you increase the automatic monthly draft into your child's education fund? Did you apply some of the money every month to reduce your consumer debt? The less you make, or the less you THINK you make, the less you spend. < PREVIOUS NEXT > #38599