Imagine yourself feeling more secure and comfortable in the years to come when it comes to your finances. Making the right changes to your spending has the power make that happen. You can change the trajectory of your financial journey, and you can make the change starting now.

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You can work your way through financing a first car or getting a good starting salary at a first job. In other words, you already know more than you think. And, wherever you stand now, you can take three steps that will translate into more financial security in the future.

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It’s difficult to think about saving money for emergencies, the future, and retirement when you’re holding a large amount of student debt and living paycheck to paycheck, but that’s no excuse for not saving. Start now. That should be the mantra of all 20somethings when it comes to saving for the future.

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Now’s the time get on track, to make the right moves that will build on this first big milestone and set the course for a comfortable financial future. Knowing what the “right moves” are to be sure you are “on track” is the tricky part.

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Many people deal with financial stress a lot like they deal with their health; that is, they ignore it for as long as possible and hope it works itself out. Even individuals who know what they should do are often unable to overcome the barriers that keep them from taking action.

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