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Eliminate Debt
Assess expenses, prioritize, create a budget, consolidate debts if possible. If not possible, pay off small debts first, then apply those payments to larger debts (snowball method).
For similar amounts, target high-interest debts first to reduce interest costs.
Increase income, increase debt payments and get your money working for you by leveraging resources and seeking professional help if needed.
The Rule of 72
The Rule of 72 quickly estimates your retirement savings needs and investment placement.
A single percentage can significantly impact over time. For debt, it reduces your working capital.
If using debt to generate income, ensure investment returns exceed debt interest, considering potential changes.