You enter your income, expenses, investments, and liabilities into your favorite retirement planner. You click a button, the software does some kind of calculation, and out pops a single number.It may be 87%. Maybe it’s 72%. Or it could be 15%. Whatever the number, you’re told it represents your...

Several years ago, I stumbled upon a quote from Dave Ramsey about credit card rewards. I’ll never forget those 11 words. :“No one ever says they got rich off of credit card points.”As I read his words, I knew immediately that he was wrong. One could build wealth through credit card rewards. In...