track your expenses in an excel file – this way you will know where you are spending

cut down on your expenses like eating out , big cars

learn to save and invest 70 % of your income

max out your retirement plan options with your employer

if you can buy something in cash , don’t finance it – you will save the interest

learn to live on 4 % of your retirement corpus per year

it helps if both people are working – the savings go up drastically

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