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While this may seem obvious, it's also backed up by an economic concept called the time value of money (tvm). Whether you're saving for something specific like reti. Budgeting is the best way to make the most of your money. Even in its early stages, the game we still play. You might even have a penny.

You may think that a penny isn't worth much, so it's easy to overlook.

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Would you rather get money today — or in five years from now?

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