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Cruze said she found the book really interesting and that 85% seemed realistic to her.

Cruze cited statistics that people need the most money from ages 26-38.

This is a time in life for paying off student debt, buying homes and upgrading vehicles.

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Here are the Cruzes three main takeaways from the book.

I love that idea, she said.

Because part of changing your family tree is helping your kids.

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This, of course, depends on how much money you currently have.

Build yourself strong financial ground to stand on before you go spend money in this fashion.

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