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18 m a s s a g e & b o d y w o r k s e p t e m b e r / o c t o b e r 2 0 1 9 MINDFUL MONEY best practices I have some fantastic news: I read a financial book cover to cover, and it was terrific! The truth is, before digging into David Bach's The Latte Factor, I'd never read a financial book from cover to cover. Previously, I'd either lost interest, struggled because the content was out of my wheelhouse, or subscribed to the myth that my finances would take care of themselves. (Subconsciously hoping my husband would do the dealing? Guilty as charged!) Small Changes, Big Impact 3 Secrets to Financial Freedom By Amy Andrews McMaster This short, simple, straightforward story taught me so much. The Latte Factor: Why You Don't Have to Be Rich to Live Rich shares three myths of money and three secrets to financial freedom. The book is completely digestible and easy to translate into action—two characteristics I love. While I am happy to share some of the gems in this book, I still recommend reading it yourself or giving it to someone you care about. I plan to share it with my 9- and 12-year- old kids so we can start the financial conversation I wish I'd heard decades ago. SECRET ONE: PAY YOURSELF FIRST The first secret to freedom was a big wow for me. Bach recommends that the first hour of earnings from each workday gets paid directly to you, before the government takes out taxes. This smart action builds your net worth and retirement savings. Since the majority of Americans are living paycheck to paycheck, over 10 percent of a paycheck may not seem possible. No worries! You can start with $5 per day, $25 per week. If you save $5 a day

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