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Aside from minimizing spending on things you don't need, keeping your interest and tax payments to a minimum is also important. For instance, pay as much as you can on your credit card bills each month - making minimum payments when you're able to pay more is crazy, since you're often paying 20%+ interest. Also, take advantage of tax-deferred accounts offered through your employer, like Health Savings Accounts (HSA's) and 401k's. HSA's are especially beneficial, since you'll never have to pay taxes on the money you withdraw, as long as you spend it on qualified medical expenses.

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