Thinking about money reminds me to recommend my favorite books on financial security and independence: Your Money or Your Life and David Bach’s books (there are a bunch of them and they all have the same basic information). I like these books both because they emphasize bringing your spending in line with your values, and because they present the goal of financial security as having more time and energy to do good in the worldâ€””retiring” as more engagement in life, rather than withdrawal. Check â€™em outâ€”of the library. Or if you have to, buy them used. And teach the young people in your life about money, before they dig themselves into a hole. They’ll thank you for it somedayâ€”by not moving back home.