Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.

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We need to recognise that what really matters isn't buying more and more consumer goods but family friends and knowing that we are doing something worthwhile with our lives. Helping to reduce the appalling consequences of world poverty should be part of that reassessment.