Jody’s most effective tactics: automate. Set up automatic transfers to savings and investment accounts the moment income arrives. Treat investments like a recurring bill — pay yourself first. This removes emotion from the equation and leverages dollar-cost averaging, smoothing out the impact of market volatility over time. https://www.4shared.com/office/Ec9Zzp0rge/Jody_Benson_Sharp__A_Clear_Roa.html?