Every middle-class wage earner can retire as a millionaire.

Contrary to popular belief, getting rich has less to do with how much money you make and more to do with how much money you spend.

All you need to do is follow a simple formula: avoid debt, spend less than you earn, and invest the surplus. That’s it.

If you’re already in debt, paying that off should be your top priority. After that, shift your attention to making investments. Remember that investing doesn’t have to be complicated. In fact, complex investments are usually the least profitable.

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