the best way to simplify your finances is to automate them
setup your bills to auto pay – it does not take much time – just talk to the utility companies
savings and retirement – transfer the money from your salary automatically to a separate account
for retirement – you will need a brokerage account – you can setup a percentage of your salary to be automatically transferred to the brokerage account
emergency funds – have at least 6 – 12 months of your monthly expenses in a high yielding savings account
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