Financial experts often focus on savings. First, they want you to be financially secure, to have enough money in an emergency fund in case a crisis occurs. They also focus on investment, whether this is a mutual fund, real estate, or sturdy little savings bond. This money makes money. However, to have the money to invest, you need to either find money in your existing budget or make a bit of extra money. Last time I wrote about moonlighting for a goal. Moonlighting to create an emergency fund or to put the initial payment into a retirement savings plan is … Continue reading →