Jody’s most effective tactics: automate. Set up automatic transfers to savings and investment accounts the moment income arrives. Treat investments like a recurring bill — pay yourself first. This removes emotion from the equation and leverages dollar-cost averaging, smoothing out the impact of market volatility over time. http://jodybensonsharp.pbworks.com/w/page/161524875/Jody%20Benson%20Sharp%20%E2%80%94%20Practical%20Strategies%20for%20Savings%20and%20Investment