Paying off debt can give you more money to save and invest, and free up your budget later. Increasing your income with a raise or side hustle could give you more money to save. Cut your living expensesIf you're able to downsize your living expenses, it could allow you to save more. Additionally, living below your means can help you save more and create a lifestyle now that will be sustainable in retirement later. Investing the difference could help you save more and get closer to your goal.

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