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Do you earn more than you spend?

You are on the right track! Because you have a surplus of income (making more money than you spend), you will want to determine how you want to spend or save that money.

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Do you spend more than you earn?

Since you spend more than you earn, identify nonessential items in your budget or ways to change how you spend. Even small changes to your spending patterns now can make a big difference down the road.