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It might be just as tempting to give in to careless spending, impulsive buying and paycheck-to-paycheck living, but at least you know better now. After all, you are about halfway to retirement, and these 20 lessons will help you get there comfortably.
Too many people underestimate the importance of having a savings account. So why doesn't everyone have an emergency savings fund? The answer is simple: They spend more money than they earn and have trouble living below their means.