The 9 best pieces of advice we’ve heard about money this year

By Kathleen Elkins

You need a reason to invest.
Jon Stein, founder and CEO at Betterment, an automated investing service:

“When you invest, avoid blindly putting money into the market; instead, think about what you want to accomplish in the future in terms of specific goals.

“These are things like retirement, a home down payment, your child’s education, making your money last your lifetime, or simply building wealth for the long term.

“By having clear, concrete goals, you can put together a properly risk-managed investment plan, which can increase the likelihood that you’ll reach your goals.”

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This article originally published December 23rd, 2015 on Business Insider.