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In response to "r/personalfinance flowchart says to pay off high interest (10%+) debt before making unmatched contributions to your 401(k) -- (link)" by znufrii, silly old man

crank yanker's advice that was super helpful to me, pay bills a month ahead, you'll never have a late charge, credit score goes way up

what is the reason to have savings? so you can coast awhile and pay your bills, since banks interest is almost nothing skipping just one interest charge on your credit card puts you way ahead anyway.



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