8 rules for saving, borrowing and spending money

The best personal finance advice is tailored to your individual situation. That said, a few rules of thumb can cut through the confusion that often surrounds money decisions and help you build a solid financial foundation.

In my latest for the Associated Press, guidelines for saving, borrowing, spending and protecting your money culled from nearly three decades of writing about personal finance.

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  1. Katie nelson says

    I am planning to file for my social security benefit in the spring. My benefit will be much larger than my spouses current benefit. Can he file for spousal benefits, based on my earnings? Or is it too late since he is already getting his social.security payments.

    • Liz Weston says

      If 50% of your benefit is more than what he’s receiving now, he should be able to switch to a spousal benefit when you apply.