ANSWERS: 3
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new avatar? anyway, a 401k is the easiest in my opinion because most companies will allow you to take money out of your check before taxes, and some even match your contribution! other than that a roth IRA is also nice, although it's not pre-tax dollars.
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Get your bank to divert an affordable % of your regular income into a savings account, and inform them you want access to this account only once a year (or less, or not at all until you meet to discuss this with them).
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Stop shelling out for things.
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