Personal finance, depending on who you ask, is made up of several different pillars. Think of these pillars as the structural beams in which you create the financial home of your dreams or nightmares, depending on the choices you make. In order to have a solid financial foundation and home, you MUST take into account ALL of the pillars in order for your crib not to fall apart! I personally think, that an individual’s finances consist of four pillars: [Read more…]