Stacks of money do not magically appear: trust us on this one. It takes baby steps, lots and lots of baby steps. Crawl before you walk, walk before you run...that sorta thing. In order to take the financial baby steps, you're going to need to know what's coming in and what's going out. Your own cash flow, income and expenses, whatever you call it. Behold, then, the Three … [Read more...]