Creating a financially secure life can feel like a daunting task that requires the skills of an expert mapmaker and GPS programmer.

You need to figure out where you are today and where you want to get to. As if that’s not stressful enough, you’re then in charge of finding the best route to get from here to there without veering off into costly detours.

Jeff Powell and Jeremy Witbeck continue their discussion on Financial Literacy this month and focus on the evolution of savings and the different strategies people can use.