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COPYRIGHT 2006 Society for the Advancement of Education
Your W-2 or 1099 has arrived. You tear off the perforated edge, pull out the center page, gape at the amount you made in 2005, and wonder: Where did it all go? It's not a fortune, you think, but it's enough that you should have a nice little chunk set aside in savings or investments rather than a hefty new car payment and an escalating credit card balance.
Do not feel too discouraged. The first step toward solving a problem is admitting you have one. Former financial...
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