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Chat with the authors of Spend It Backward. David W. Curkendall, PhD and Herb Siegel are available to answer your questions in our forums.

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I can hear the chorus of complaints rising: “You don’t understand! I just can’t save anything right now and I have expenses that exceed my income. Retirement? No way! Later! For now, I’ve got to put some things on my credit card. Then maybe as my income rises, I’ll focus on bringing things into balance. As for saving for retirement, we’ll worry about that downstream—way downstream.”
 
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