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No. of Recommendations: 2
Number 1 and number 2 are the same if you think about it.

And (2) and (5) are pretty much the same too except that (2) has a bit more fanatical savings sound to it. Most of us don't want to save at the expense of all enjoyment now. A balance is required. If our lives were infinite then I would be able to justify trading a very hard set of years for the remaining more enjoyable period. They're not though so you have to take some enjoyment along the way.

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