Building financial independence and security takes time. In large part, good financial decisions and behaviors are variations on a single theme – spend less and save more. But simply knowing that it’s a good idea to do those things can seem too abstract, unless that knowledge comes with some guidance on how to take action to actually do those things. Don’t try to change every aspect of your financial behavior all at once. It can be overwhelming to try to completely change too many behaviors all at once, and that can make it difficult for any of those changes to...

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