Student life, I know for a fact is the most exciting part of life that most of us may want to relive. The fun, the independence, the sudden shouldering of responsibility, the freedom, the studying up to late hours and hard work put in to build a promising future that one can depend on – are all part of the same game.

Before you can begin living the life you deserve you have to figure out how you want to live it. Knowing yourself (wants, needs, and desires) is your first step to creating the life you have always wanted. All investors are trying to make money, but each investor comes from a different background and has unique needs. This means that what works best for the guy next door probably won't work well for you. To begin living the life you deserve you much first determine your specific investment approach. You must take a look at your investment goals and investment personality.

“It's all about quality of life and finding a happy balance between work and friends and family”-Philip Green.

At what age people plan to retire varies based on individual goals and priorities. Recent research report that 50% of Americans want to retire before the age of 65, 30% of people want to retire at age 65, and 20% of people just don't know. Where do you fit into those numbers? Do you know if you can afford to retire and when? Individuals are free to retire anytime they want. However, there are common reasons which inspire people to want to retire. People often choose to retire because their employer is downsizing and has given them a great incentive package to retire early. Some people have, simply, put in enough time and earned enough pension credits after working 30 or 35 years. Many individuals choose to retire because they are just sick of the daily grind. Very few people actually retired because they have planned for their retirement and can afford to retire.

Credit card debt is a pile of crap. It stinks. It’s not pretty to look at. Go ahead and flush it already. You know you want to. You’re tired of seeing the stupid commercials about how people’s lives are suddenly changed for the better – once they’ve got their fancy new credit card with a picture of some fluffy puppy on it. According to the T.V., credit cards are capable of defeating hordes of armed barbarians and have something to do with genuinely wonderful and funny moments in our lives. They don’t. So cut up your cards. What are you waiting for? Need more? Ok.