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You are the Secret Sauce!
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By far, your decision to pay yourself first and avoid debt is the most important factor in whether or not you secure financial independence and achieve your dreams.

You will do the heavy lifting, but the stock market should be a wind at your back as you build wealth. Add appropriate exposure to stocks in your buckets according to when you need the money.

Minimize taxes by investing your money in better "tax wrappers” and using passive mutual funds, which tend to be more tax efficient than their active counterparts.

Lastly, reduce fees by using passively managed, low cost, no load mutual funds.

Although you are the secret sauce, the three strategies above go a long way toward tilting the odds of success into your favor.

 

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