Managing your finances and growing your wealth is not easy. At the same times, it’s not all that complicated. Almost all personal financial advice share some of the same tips in common. And when you boil it all down to their most basic forms, this advice can usually be doled out quite simply.

Everyone should work to earn more money than they spend. They should save or invest for the future. They should pay off their debts. They should keep an emergency fund for unexpected expenses. And they should have insurance to protect themselves from the unknown. For more, read the New York Times story here.

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