Among our core advice principles at USAA, this one holds a special place in my personal life experience. I say that because the words “ spend less than you earn ” are the first element of USAA’s core advice and the first half of a mantra that we metaphorically drilled into all of our kids’ heads as they grew up. Add a second element, “and save some to boot,” and I would wager my 401(k) match for the rest of my working days that all three of our kids would answer the question, “What did your