If you’re unsure how to begin saving or investing, here’s how to build a cash reserve, open a retirement account, and start strengthening your financial future.

Amanda Smith is a freelance journalist and writer. She reports on culture, society, human interest and technology. Her stories hold a mirror to society, reflecting both its malaise and its beauty.

Discover four key economic concepts: scarcity, supply and demand, costs and benefits, and incentives. Learn how they affect consumer choices and financial decisions.

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