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[quote=Anonymous]Not really a hack but I track every dollar we spend and make sure that areas where we spend the most represent our priorities. We don't love dining out (budget $75/mo) but we do love travel (budget $1,800/mo). Having a budget ensures we spend according to our plan. As for a hack, we use our taxable account dividends to fund our Roth IRAs so we are converting taxable money into tax-free money.[/quote]
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