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TIP: Buy a used vehicle; preferably 3-4 years old with a maximum payment term of 36 months. If it takes over 3 years, you can't afford it.


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Savings Tip: The Roth advantage: You save with after-tax dollars, so, unlike a regular 401(k), you won't pay income taxes on withdrawals. That's a good deal if you'll be in a higher tax bracket at retirement, as is the case for many young investors.
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