While you may not have time to read a book on financial planning or have the expertise to use elaborate financial-planning software, I would encourage you to take advantage of the amazing amount of free educational content available online. There are plenty of quick, bite-sized moments of learning that can have a material impact on your financial future.
These pieces are not fun to put together. When finally assembled, the picture of Texas looks more than a little unsettling. In fact, it often looks pretty damned backwards. The reverse gear was spinning fast cogs in the lieutenant governor's debate in Dallas between four Republican candidates seeking to win the primary.