10 KEY STEPS TO FINANCIAL SECURITY:

1. Invest before you spend
2. Have a constant stream of income
3. Have a budget
4. Treat yourself i.e don’t accumulate for the sake of accumulation
5. Resist peer pressure i.e resist buying things you can’t afford or don’t need just because your friends are buying
6. Consistently pay down your debts
7. Keep emergency money whether for health problems or other family emergencies
8. Have a retirement plan no matter what age you are

9. Conduct periodic financial checkups and assessments

10. Ensure that you get continuous financial education, learning and research.

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