At Sarah's wedding last month, the braider finished early despite a tight schedule. Extra quotes might scare off budget clients. Plus, who wants to pay for time that isn't used?

Ever notice how critics will praise some tiny detail in a movie while saying the whole thing is trash? Saw a review last week that loved the soundtrack but gave the film one star.

Man, I feel you on that. Seeing neighbors retire early really lights a fire under you. Index funds are a solid place to start for regular folks. I began by just putting a bit from each paycheck into a total market fund. It's boring but it really does add up over time without you having to stress over it.