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But fortunes can change.
Its up to you to take advantage of them.
Utilize online banking to its full potential, advised Torres.
Among the most popular, comprehensive and user-friendly free options was Mint, which closed in March.
And saving is always easier on autopilot, whether its for an emergency fund or a retirement nest egg.
Taking advantage of 401(k) plans or IRA plans can help you save long term.
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