I suggest that you put together three different baskets for your retirement money. This basket is for short-term needs — for the unplanned expenses, which often feel like they hit at the worst ...

Beyond reduced grocery expenses, gardening offers many positive effects ... with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Just like the garden we explored ... the concept of having a separate basket labelled for retirement funds, distinct from everyday expenses or discretionary spending- creates a mental boundary ...