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It's easy to think that you're late. Whether it's with investing, your career, your business, or whatever your main endeavor is, you might feel behind. But the reality is that success can occur at any moment, whether you're 20 or 40 or 60. It's best to start now, whatever age you are.
Paycheck budgeting is a time tested method of matching your paychecks to your monthly expenses. It's not difficult on its own but it's made easier if you have a simple budgeting template you can follow (and is included in this post for free).