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One more thing I will add. There are a hundred ways to skin a cat. There are a hundred ways to handle your finances. It is important that you tailor your plan in a way that suits you and your discipline.
I have read several books on investing and managing your money. Dave Ramsey might make since for some, he is not for me. I am sure he would criticize the way I manage my finances. But like I said there are a hundred ways to skin a cat!
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