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MONEY WEALTH HINTS STP STP 04 03 clarify aims plan spending Set precise money goals. Use GOAL rules (Clear, Trackable, Realistic, Pertinent, Timed). Objectives guide and inspire action. Monitor cash flow. Divide money for needs, reserves, and assets. Limit costs and skip needless owed. STP STP 05 06 Wise Saving and Growth remove debt Pay off costly loans first. Skip needless extra credit. Be steady and focused for lasting wins. Build a rainy-day fund. Begin investments soon to grow more. Check multiple asset choices.