To get out of debt and get ahead you MUST pay yourself first.
Participate in any IRA that your employer has first. Look for matching funds. Start putting $500 a month into CDs at the credit union for 2 years (put it on a spreadsheet if you don't believe that it works). Keep renewing. This money will keep you from diving into credit when a big ticket item sneaks up on you. The only things to owe money on are a home/real estate, education to improve your market value and a car.
Then look into mutual funds/real estate/small business.
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Back button again, I must be getting old.
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