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It’s been said that the fastest way to build wealth, is to spend less than what you make and save more than what you spend. For most of us, this is easier said than done, especially if you aren’t on a budget, in a lot of debt, or are living paycheck to paycheck. However, reaching financial independence is possible IF, you are willing to put in hard work and sacrifice your time today for a better tomorrow. Some of the best ways to reach retirement earlier or pay down debt faster are usually right in front of your face.