Older business man with tablet and team behind him Preparing for leaving the nest of 9-to-5 workday for the nest egg you've saved is similar to what new hires face when it comes to learning to save into that nest egg. (Photo: Shutterstock)

Why do so many people prefer to wade slowly into a pool rather than dive suddenly into the deep end? The answer is contained in the phrase "testing the waters." We aren't sure how deep that deep end is, so we "test the waters" by gliding smoothly from the definitive shallow end to the unknown deep end.

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