Nancy Tengler in USA Today

Now is the time to set up a savings and investment plan

I confess: I live with a chronic case of avoidance behavior. It flares up around tax filing time, doctor’s appointments, viewing my 401(k) statement in a bear market or taking the garbage out. In short, whenever I have to confront an unpleasant activity of any sort, I’d just, well, rather not.
So I understand when people tell me they would rather not talk about their finances right now, since money is tight. But if not now, when? Over the years, I have made great progress in managing my tendency to avoid and I have learned a few things. Like: The best time to buy stocks is when they’re down, and the best time to talk about money is when you don’t have much.
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