Steps to Becoming Debt-Free

Here's the best tip for becoming debt-free... spend less than you earn, and either pay off the debt with the rest (if you have debt), or invest the rest (if you don't have debt).

I mean, there's more complicated aspects to it, but that's what everything boils down to, spending less than you earn. Which means that if you're constantly living beyond your means you need to either increase what you earn (harder) or cut your spending (a little easier).

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