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Irrespective of the kind of earning you have each year if you want to join the rich men’s club then you ought to put in a lot of things besides mere saving and a pay raise. The old schools methods of making money can give you a comfortable and prosperous lifestyle but once your ability to earn more money is affected you end up being broke again. All that you look up to then is your retirement policy and with a perpetual saying and thinking “I cannot afford it.” It is the right combination of time and money that helps one to be rich.

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