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24. Manage debt smartly
If you're like most Americans, you have some debt. From student loans to car payments and credit cards, it's easy to dig yourself into a hole. It's important to take a step back and evaluate your financial picture if you're ever going to do dig yourself out.

Little things, like prioritizing which debt to pay off first and diverting any extra funds that direction, or consolidating to one low interest loan with a set payment over a short period, can make a huge difference in getting ahead. Dave Ramsey is a cult hero for helping people figure out how to finally dent that debt if you need some inspiration.