How can having a nest egg reduce stress?

One of the biggest drivers of stress is financial woes. Not coincidentally, health problems are the major driver of bankruptcy, and then bankruptcy cycles back to be a major driver of more stress-related health problems. That's why it's important to create some kind of emotional comfort zone with money—that is, just the feeling that you have some sort of nest egg can ease your stress.

And that's why socking away 10 percent of your income every month (or at least $100 every month) can start the process of giving you a backup plan. And, of course, with credit card debt exceeding the national debt, having a good frame of mind about your plastic is important. Use your cards for the convenience of paying your bills, not to avoid paying them.

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