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 This July Fourth, use the spirit of 1776 as motivation to get your financial life in order. TZIDO SUN / Shutterstock.com

Precisely 247 years ago, a bunch of ragtag colonists declared their independence from the tyranny of a monarchy across the sea. On July 4, we acknowledge their courage with celebrations all across America. Many people enjoy fireworks displays. Others hit the beach, host a barbecue or simply relax and reflect on how lucky they are to live in such a great nation. But if you are deeply in debt — or…

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