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I agree with Jennifer Hyman - knowing what your expenditures are is very important. I think it also reveals what your values are.

I feel like there is running theme - SAVING! Saving is huge, however does saving actually lead to retirement goals?

@JudithParrish - I agree that saving is the difference between long term financial stability and financial insecurity. I also really liked what Kat Cole said about embracing the concept of long term gratification, which I can say from experience that I have struggled with and am only recently realizing the difference it makes.