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You may think that destiny has little to do with you and your life including your finances.
Conversely, if you watched your parentsspend recklessly, you might never have learned how to save appropriately.
Face your emotional barriers head-on to createmore positive thoughts and patternsaround money.
A major part of this practice involvesdecluttering your financesby keeping track of every penny in and every penny out.
Shes also a strong advocate for developing a budget that helps you stay organized and intentional with your spending.
Focus on the interest rates.
Start by listing all your credit card balances from the highest interest rate to the lowest.
But she wants you to truly challenge yourself to meet this goal.
I want you to add 20 percent to it, she said.
Even a small boost from interest can add up over time and help you hit that eight-month goal faster.
Have a Retirement Action Plan
For many, a pleasurable retirement is the ultimate financial destination.
But Orman doesnt stop with just the 401(k).
Shes a big fan of Roth IRAs and Roth 401(k)s too.
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