By Paul Morrone CFP®, CPA/PFS, MSA
You all remember the kid at school who was always super organized. They had color coded folders, a meticulously maintained desk and alphabetically categorized flash cards in preparation for each exam. Maybe you envied them for their dedication, or maybe they drove you crazy, but they probably never lost their homework, missed a deadline or were late to class. While these characteristics didn’t necessarily guarantee that they graduated a valedictorian, these organization skills will benefit them down the road as their life becomes increasingly complex. In fact, I’d be willing to make the argument that disorganization is one of the biggest threats to an individual’s long-term financial independence.