Good finances is something you can start doing at any time, and something you should be doing ALL the Time. I waited too long, but then again, it's never too late! Start small, by saving coins. I've been doing that for years and it has also saved my butt a few times. Good financial habits are in the background, and run concurrently with all the above that you listed! It is a great SYNERGY which will make the rest more powerful.

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