Look for expenses that you don’t really use that add up to a lot over the course of a year. Then cancel them and put that money towards your retirement savings. Think: streaming services and subscription boxes. Also, comparison shop to find the best prices on recurring expenses such as car insurance, which most people overpay for. Michelle recently saved her mom more than $1,600 a year on car insurance by switching plans—and without losing any benefits.You can only cut your budget by so much.
From power grid outages in Texas to once-in-a-century pandemics, it’s never been more important to have an emergency fund so that a medical misfortune or natural disaster doesn’t destroy your finances. Having this money set aside can help you reach early retirement because you won't be forced to resort to taking on high interest rate debt to get by. I recommend having at least 3-6 months of expenses saved in an emergency fund.
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Spend less money and live below your means. Create emergency funds for a month, six months, & year so on. Invest in stocks, crypto, and companies like tesla. Don't just randomly get any credit card; research & see which will help you now & in the future. Avoid taking loans.
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