Acknowledgments

In 2003, Tribune Co. was creating a new personal finance section that would be available to all its newspapers, including the one where I worked, the Allentown (PA) Morning Call. That’s when I successfully proposed a new kind of consumer column that I would write. We would call it “Spending Smart.” It was first published in January 2004.

“Spending Smart” was an instant success with the millions of readers who buy Tribune Co. newspapers, which include the Chicago Tribune, Baltimore Sun, Hartford Courant, and Orlando Sentinel, among others. The column’s success did not stem from my journalistic prowess. Rather, the topic of spending your money smarter struck a chord with readers. They had plenty of financial writers advising them ...

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