You may be on solid ground right now in terms of money, but it wouldn’t hurt you to conserve a little bit more. Cut back on some of your excess spending and get more aggressive in your savings plan. And if you don’t have a savings plan, you might want to get on that today. Put away your credit cards for a while. They make it way too easy to spend way too much! You work too hard for every penny to let even one of them slip through your fingers without a fight.