Sit down each month, look at where your money is going, discern if you are actually getting the value you seek out of all the expenses, and "kill" subscriptions unceremoniously - you can always get them back later. #2: Cook.

I have been listening to the podcasts, trying to discern my niche, so far I am leaning to"buy and holds".

Although I have read and listened to the proper material,  I am still struggling to discern what deal is the right deal to take my initial stab at.

I can definitely say there is not a magic formula but experience with winning and losing in markets helps discern what works and what doesn't.

I can definitely say there is not a magic formula but experience with winning and losing in markets helps discern what works and what doesn't.

I'll be the first to concur that paying for sound advice is a good investment, but be discerning in whom you pay.

@Benjamin Gallant Well, an inspection prior to buying the property is always key for discerning needed repairs, but typical time of useful service for any component of a house are only estimates.

You have to exercise discernment when determining if someone is the guru they claim to be. 

From my experience the median household incomes really determines  the neighborhood class but I also look at all the VestMap.com DISCERN factors.

Be as discerning when you pick your manager as you would be in selecting a doctor.