Investment Bull & Bear Markets: A Timeline Share | Related Content You Would Rather Be... Are you a thrill seeker, or content to relax in the backyard? Use this flowchart to find out more about your risk tolerance. Extended Care: A Patchwork of Possibilities What is your plan for health care during retirement? 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.