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Fortune
Fortune
Ivana Pino

How to pay off debt and save for retirement at the same time

Photo illustration of a balance scale tilting down to the left; the left side shows a pile of money with a ball and chain on top, and the right shows a pile of money with an hourglass on top. (Credit: Photo illustration by Fortune; Original photos by Getty Images (3))

Having clear financial goals can help you make smarter money choices day to day that add up to real, tangible results over time. Common goals include saving for a down payment on a home, paying off your student loan balance, or retiring early. But these financial milestones don’t just happen overnight. 

They’re the result of all of the smaller steps you take everyday. 

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