Change your perspective
Change your perspective
During this acquiring stage of life, you may feel as if everyone you know is getting more, faster. Giving to charity, even a small amount, can provide a reality check.

"It is a great way of controlling our own sense of perceived depredation and tendency to overspend," says Maurer.

De-friend anyone who snickers that you're eating on a card table until you can save for a real dining room set.


By Amanda Gengler @Money - Last updated April 05 2012: 6:25 AM ET
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Best money moves in your 40s and 50s

Three out of four successful retirees started saving in their 40s and 50s. A few smart moves make that easy.

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