What Smart Investors Know Savvy investors take the time to separate emotion from fact. Share | Related Content Insurance Options for Business Succession Planning Business owners with the desire to see their businesses continue after they are no longer involved need to plan quite carefully. The 12 Steps to Living Confidently: How to Cut Your Expenses “Cut spending.” “Slash expenses.” “Avoid shopping.” The overwhelming advice about cutting expenses makes it sound downright unappealing. No wonder many of us haven’t learned to be good financial managers. First Things First These four essential steps can help to increase your financial confidence for the year ahead.