The Wall Street Journal recently published a list of five ways to fix their 401(k). Easy at that, huh? Read it, and then comment on what tips would be on your list.

Here, I'll start: Create a family budget. This is pretty basic, but has helped my family tremendously. I suspect that many families -- like mine until recently -- don't really know where all of their money is going. Seeing it all in black and white helped us see where we could trim the fat to put toward saving.

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