A few years back my gardener came to my door, it was not his usual day or time – I was very surprised to see him.  The reason for his visit, he eventually got around to, was that he was having some financial difficulty.  He very apologetically asked if I could pay him in advance.  Of course, I paid him and then had a guilty thought, “am I paying him enough?”

As I drove to work that morning, I was thinking about his financial situation and how he might improve it and then it got me thinking about my finances.  I’m not living paycheck to paycheck but do I have enough? I spent a few moments worrying.

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