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 I’ve been offering money advice for decades. Here are the most important things I’ve learned. Roman Samborskyi / Shutterstock.com

I’m now financially independent, but I didn’t get this way overnight. Nor did I do it by selling books, offering seminars or appearing on “Oprah.” I did it the same way you’re doing it: one paycheck at a time over long periods of time. A few years back, one of my younger staffers suggested I condense everything I’ve learned into a few simple ideas to serve as a guide to those starting out…

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