What Smart Investors Know Savvy investors take the time to separate emotion from fact. Share | Related Content The Twelve Steps to Living Confidently: Budgeting One of the most important steps to become financially sufficient is to set up a realistic budget. Insurance Needs Assessment: When You're Young and Single Even if you’re young and single, you should still consider protecting yourself. Budgeting After a Divorce Divorce is the second most stressful time in a person's life. Here's some tips to get through it.