A Penny For Your Thoughts

Pennies lined up in a row
A Penny For Your Thoughts

Day 015. I’d like to think at least some of my thoughts are worth more than a penny, or a dime if you’re feeling generous and want to account for inflation. Don’t worry, I’m not asking for money. I was just thinking about budgeting and long-term financial planning and how incredibly difficult it is to be optimistic about retiring in the United States if you’re more than a few decades away from retirement.