At Morningstar, we spend most of our time trying to help investors identify the best stocks and mutual funds for their goals.
But it's the decisions you make before you invest in stocks or funds that have the biggest impact on whether you meet your goals or not. For instance, you know that saving even a little bit more each month can have a huge effect on the size of your eventual nest egg. But deciding what to do with those savings is a thornier issue. For instance, should you pay down your outstanding debts? Or invest in the market?
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