This might mean starting a business, investing in stocks, or creating something that earns money even when they are not working, like writing a book or creating an online product. These are called “passive income streams,” and they can make a big difference over time. Another secret is understanding the value of education—not just formal education, but learning about money itself. The more you know about how money works, the better decisions you can make. There are many free resources, like...

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