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Make the most of your money.

Every year, many start the holiday season with a shopping budget and a vow to stick to it. Yet year after year, after the gifts are unwrapped and the credit card bills and bank statements start to arrive, many are shocked at how much they really spent. Why is it so hard to stick to that perfectly crafted budget? Because it takes more than a preset number to stay within your limit: It takes a plan.

It's never too late to start saving for your retirement.

It's safe to say the American Dream usually involves a white picket fence, at least in the proverbial sense. Even as young children, we dream of a day where we will have our own home and a family to fill our adult space with. We spend our young adult years developing the tastes, ideals, and career paths that will bring us to our elusive future home.

Maria Kuitula and Phyllis Wordhouse, wealth coaches at Wordhouse Wealth Coaching, are busy saving investors in nineteen states from making common investing errors and falling into the "Investors' Trap."

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