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Or perhapsretiring when youre 45(rather than waiting until youre old enough to collect Social Security)?

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If so, youre not alone.

But how do you go about that?

In an article on his website, personal finance expert Ramit Sethi suggests figuring out your money dials.

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For example:

Say you had $25,000 you could spend right now on any one of these categories.

Which would get you the most excited?

This is key if you want to achieve a major (secret) financial dream.

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Say you want to buy a $1 million house.

That might not seem achievable when you factor in everyday bills, mortgage interest rates and the like.

To make it more feasible, create a conscious spending plan.

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Youll typically get the best rates that way.

Money secrets can sabotage everything from retirement planning to credit scores.

It simply doesnt work for everyone.

To help make your financial dreams a reality, consider speaking with a financial advisor.

This route isnt for everyone, but it could help you get closer to what you truly want.

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