By Jean Chatzky

Ahhh, optimism. It’s a quintessentially American trait. We’re optimistic — and confident — about the economy, the markets, job growth … the list goes on. We’re also confident about our own financial futures. But when you dig into the numbers, it’s possible we’re too optimistic. Here are some some hacks that allow you to continue to maintain that sunny outlook while actually doing the right thing for your financial future.

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Source: NBC News