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In this post by Lacking Cents, they outline their suggestions for how one should start their financial journey. They first suggest a 3 step process summarized below:

To get any where with your finances you have to know where your going, whether the goals are to pay down your debt, bump up your emergency fund, or add to your investments. The difference maker in any of these goals are how much money you can set aside to that goal. As such, your success is dependent on you knowing where your money is going so you can direct it to your chosen goal. Lastly its important to adapt. Because your life is fluid, thus, your goals and your plan to achieve them should change with you.

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