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She recommended the following steps.

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Also, here are five debt myths no one should believe anymore.

Start From Scratch

Cole recommended an approach she called powerful if youre willing to do it.

From there we built a budget on top of that, she said.

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Youre still going to have to cut out expenses, but it makes it a little bit easier.

Leaning into something is better than nothing.

Progress is so important.

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What would it look like if I had to retire?

You just come up with creative ideas.

And same with your emergency fund.

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She believes its OK to have multiple goals.

I think thats also why building the habit is so important, she said.

I think a lot of people sometimes spend to make a run at find joy.

you could even find cheaper places to buy your groceries.

Those fixed numbers in your head might actually be flexible or have an alternative.

Maybe you commit to walking with your partner every day.

There are as many ways to achieve financial goals as there are people pursuing them.

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