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What’s at stake? NOT negotiating a fair salary at the beginning of your career is like leaving anywhere between $1 million and $1.5 million on the table in lost earnings over your lifetime. Yikes.

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A healthy approach to dealing with your money isn’t always about focusing on big, long-term goals. Some of the most important things you can do regarding your money are simple tricks that build the foundation for your long-term financial wellbeing.

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Just as once a year you spring-clean your home by pulling out the ladder and dusting ornamental treasures on the highest display shelves, once a year, there are certain steps you must take to protect yourself financially.

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The great news is that, if the interest rate on your student loan is low (below 8%), it doesn’t have to be paid off before you start tackling longer-term goals like buying a home or saving for retirement. Instead, you can balance paying off your student loan debt vs saving a down payment for your home by tackling both simultaneously.

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