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When you are in your 20s...
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Your goals likely include:

  • Paying down debt, including student loans
  • Building an Emergency Fund
  • Starting to save for a home
  • Investing for Retirement

You probably have not considered

Ways to reduce cost include:

  • Living with parents or grandparents
  • Having roommates
  • Resist overspending on dining out and entertainment

Spending less than 25% on rent frees up more money to accomplish the above.

Consider a part-time job. Less free time will reduce temptation to overspend while extra earnings can be used to create financial security. Pursue opportunities to advance your career. Consider using half of every raise to increase savings for retirement, emergencies or other goals.

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