Consider items you want to buy. Why do you want them? Why are they important for you to have? Now consider other places you can spend money or ways to save money. What could you do with your money to ...
... help improve your current financial status? Why?
Bring in more money than you spend, leaving a surplus. [ There are only two levers you can pull to achieve this.
Place this surplus in some sort of tax-advantaged entity, account, plan, or ...
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