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[quote=Anonymous]Great job saving so far. That 20K can be your emergency fund. Now you need to open a 401K account and contribute at least as much as your employer matches. Next you need to decide what long-term goals you have (buying a car, house, etc) and start saving up for that as well. Decide how quickly you can pay off your loans and figure out your monthly payments based on that. Create a budget that would incorporate these goals and track your actual spending on a regular basis to make sure it conforms to the budget. You are definitely on the right track. Keep it up![/quote]
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