If you identify with any or all of these three signs you're spending too much before your retirement, you may need to revise your habits to live the life you want after you retire.
Read MoreOn this episode, I tell the story of how I bought a set of noise canceling headphones even though I knew that the money spent on them could have been invested more wisely in other ways. It’s an example of hyperbolic discounting that I use to show you how you and I need to be careful that we’re not making decisions today that will come back to bite us tomorrow.
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