If you haven’t noticed by now, I’m a big fan of incrementalism. Like an establishment politician, I believe in taking reasonable baby steps toward an idealized future (and unlike said politician, some day I’ll actually get there… at least where my personal finances are concerned).
You can make really big progress on your debt and savings gradually, by degrees, and it feels so much more manageable and easy than committing yourself to meeting your financial goals in big chunks.
Take, for example, the debt-killing power of rounding up on all your bills.
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