1. Get Paid What You're Worth and Spend Less Than You Earn
Make yourself a non-expendable at work; save 15% of what you take home.
2. Stick to a Budget
First, to create a written budget. Include everything you spend during the month.
3. Pay Off Credit Card Debt
You do not need credit cards, period. If you own a home and a car, you have all the credit you can afford.
4. Contribute to a Retirement Plan
And, we are not talking about Social Security. I still believe in whole/life insurance, if you are young (Modern Woodman or Northwestern, for example)
5. Have a Savings Plan
Make it a dedicated account and leave the stinking money alone -- until you a full year of income in your account.
6. Invest!
7. Maximize Your Employment Benefits
401k, flexible savings accounts, whole-life insurance, etc.
8. Review Your Insurance Coverages
You might include income insurance such as Aflac.
9. Update Your Will
10. Keep Good Records
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