Don't create a budget — and 12 other financial tips to live by

MarketWatchDon't create a budget — and 12 other financial tips to live byMarketWatchI'm in a crabby mood. Why not spread the joy around? Welcome to today's deliberately inflammatory column. Here are 13 of my firmly held financial beliefs: 1. You have no clue where stocks and interest rates are headed—and neither does anybody else.

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