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Reply to "I'm in the Top 10% but it sure as hell doesn't feel like it"
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[quote=Anonymous]13:53 here again. The above items are not easy, but you do save a ton of money doing them. You just have to make a concerted effort to change your lifestyle to do without some stuff you are used to until you can build up some savings. Another trick is to extend your payment period for the maximum time period allowed for your student loans. The rates are usually low and a $1,000 a month payment can drop down as low as $350. That extra $650 per month can be a meaningful difference. Similarly, a more drastic and expensive measure upfront would be to refinance the mortgage, as it would reset the time period for another 30 years. I hate recommending this, but lowering your 401(k) to the available employer match might be another way to increase your cash flow. You have to weigh your happiness for a second child or a more comfortable retirement that may mean working longer. [/quote]
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