If you find it hard to save any money at all, start by cutting all unnecessary spending, ______ a tiny amount of 1 or 2 percent for savings and gradually increase that amount.
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Always keep that 20% goal in mind, prevents yourself from becoming ______.
Some must be kept easily _____ in case you need some cash in an emergency.
The largest proportion should be invested retirement plans either through your employer or ____.
And you can keep some money for high-risk but _____ lucrative investments.