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Are you in your 40s or 50s and worried you’re falling behind? Here are 4 things you should do TODAY 💸

1. High-Yield Savings Account: Look for one with at least a 4% interest rate. Use it to budget and build a 3-6 month emergency fund.
2. 401(k): Contribute up to your company match—it's essentially free money for your future!
3. Roth IRA: Open one and start investing, focusing on the S&P 500.
4. Health Savings Account (HSA): If you have a high-deductible health plan, consider an HSA. It offers triple tax benefits—your contributions, earnings, and withdrawals for qualified medical expenses are all tax-free.

Taking these steps, even if you're just starting in your 40s or 50s, can still make a significant impact on your financial future 💸📈

-Steve

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