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The Guardian - US
The Guardian - US
Lifestyle
Danielle Renwick

Master your money: 11 experts share hard-earned tips to budget, invest and retire early

Person sitting on top of a huge pile of dollar bills, facing a bright yellow sun on the horizon
A new generation of finance experts is pushing back against shame-based finance advice while critiquing capitalism. Illustration: Guardian Design / Getty Images

Despite what you might have heard, building wealth is not simply a matter of depriving yourself of lattes and avocado toast.

In fact, a new generation of finance experts – many of them women and people of color – acknowledge the systemic failures that favor a privileged few while keeping millions of Americans down and in debt. This new guard is pushing back against shame-based advice and even critiquing capitalism – even as they urge people to invest in their retirement funds.

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