Dear readers, to save money is one of the most important, if not the most important step to financial independence and retirement.Without this step, nothing will be achieved. No emergency funds, no investments, no safety net. So why is it that so many out there who are able to save still not saving or saving way too little? I guess the main reason is that they have hit one of the several Rat Traps. Rat Traps are traps that stop you from getting out of the Rat Race. It traps you and keeps you there until you die. Sad but true. For today's post, I'm going to talk more about the Rat Traps that keep you from saving money. I hope that you are not currently caught in them and if you are, I sincerely hope that you will realize it after reading this post and get out of ......