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  • Increase your savings rate - your savings rate is the percentage of your income that you keep each month, versus the amount that you spend. Increasing it, even slightly, will put you in a better overall financial position. You'll have additional money stashed away for a rainy day, or to put toward your other goals, whether that's buying a house or investing more. Start small: Increase your 401(k) contribution by 1% at the start of each year or cut out one monthly subscription you don't need, and send that money to your savings account instead.

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