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8. Save for indulgences.
Assuming you're on track with your retirement savings, have no credit card debt and have an emergency savings fund, I'm not going to deny you fun—so long as you've saved up for it. If you want to have $5,000 for a milestone birthday trip in two years, you'll need to put away about $200 a month now, given today's low bank rates.
Published 05/11/2015
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