No. of Recommendations: 2
Now in my 12th year of retirement. Retired 3 months before the tech bubble burst. I've always had a budget at least as a guideline. During recessions I cut back where I could. Not that I didn't have the money to spend, but I couldn't predict how long the down market might last. Always easier to trim a little early than to wait until your back is against the wall and try to trim a lot.
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