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The Fine-Print Reports You Never Read Anyway
In today's e-everything world, paper documents can feel even more important (case in point: We've yet to see a digital marriage license or birth certificate). But financial expert David Bach says there are many hard copies that you can toss, and the end of the year is a great time to do that, thereby helping yourself to start the new year fresh. Here's what you don't need to hold onto, according to Bach: outdated wills; old annual reports from stocks and mutual funds; and, credit-card statements (however, save ones with tax significance—such as those documenting charitable donations, medical expenses, energy-efficient improvements to your home and/or business expenses—for three years, which is the window of time the IRS has to audit you).