Sublime

We know that because reading yet another frugality article is not going to change anyone’s behavior. And the estate tax affects less than 0.2 percent of people.

Fund your online savings account (one hour). Leave one and a half months of living expenses in your checking account, or as close to it as you can manage.

This is counter to classic marketing thinking, which is brand oriented: How do I get people to prefer my brand? Forget the brand. Think categories. Prospects are on the defensive when it comes to brands. Everyone talks about why their brand is better. But prospects have an open mind when it comes to categories. Everyone is interested in what’s new.

First, decide what you want to get rewarded with—cash back or travel. I recommend cash back because it’s straightforward, there are excellent cash back cards, and it’s simpler than travel rewards, which require more sophistication to truly maximize.

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Did you know that credit cards automatically give you amazing consumer protection? Here are a few examples you might not know about: ■ Automatic warranty doubling: Most cards extend the warranty on your purchases. So if you buy an iPhone and it breaks after Apple’s warranty expires, your credit card will still cover it up to an additional year. Thi

spent it, I save half and I spend the other half.)