What should the average person do to feel secure in a world where fraud is possible in the most respected tiers of society?
Cutting expenses is the way to spend less so you have money to save, but unless you are actually putting it aside for some future use, you're not really saving at all...
Dear Deborah: With interest rates on savings accounts and CD's so low, where do you recommend a relatively conservative person should invest?
The bottom line: if you set your tax withholding too high, you are giving up, or at least unnecessarily delaying, a great opportunity to build your savings.