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If you're having trouble finding money to save, it's probably because you haven't learned the most important principle of saving: you will find ways to do it if saving is a priority. You need to get in the mindset that saving is more important than spending and that you really don't need all those material things.
You've heard financial experts extol the virtues of diversification - spreading your portfolio over many different investments. But while this theory sounds deceptively simple, proper diversification is actually fairly complicated. Here are some of the mistakes investors make, along with some pointers to help devise an overall diversification scheme to meet your objectives.