Photo: Sean Lee Davies

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Huge numbers are lurking everywhere these days: that daunting sum you are constantly told you will need if you want to retire comfortably...the six-figure mortgage balance you barely chip away at each month.

Listen to me: Stop focusing on the big picture. Macroeconomics matter, but your security depends far more on microfinance—the small choices you make with your money. Every financial worry you want to banish and financial dream you want to achieve comes from taking tiny steps today that put you on a path toward your goals. My list of small moves that yield big dividends follows.