What is your most pressing financial concern, and how are you addressing it?

I'm a single thirtysomething, and I desperately needed to overhaul the way I managed my finances and set up retirement funds. I read Get a Financial Life: Personal Finance in Your Twenties and Thirties, by Beth Kobliner (Fireside, $14). It's easy to read and follow, and it offers great advice.

This tip comes from Real Simple reader JULIE JACOBSEN, Waterloo, Iowa