Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

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At the root of the shy temperament is a deep fear of social judgment one so severe it can sometimes be crippling. Introverted people don't worry unduly about whether they'll be found wanting they just find too much socializing exhausting and would prefer either to be alone or in the company of a select few people.