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Great list, may I just add, IGreat list, may I just add, I think everyone should have discipline first when handling money. No matter what age we all need to know that we can face a financial problem at any time. We have to set our mind into saving a percentage of our check no matter what, and to achieve this we need to have discipline other wise we'll just form part of the big percentage of people who don't know how manage their money and blows it up the first pay day.

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