YOU DON'T NECESSARILY need a lot of money to set up a financially secure retirement. If you're willing to carefully manage your expenses, you may be able to retire with a modest budget.
Here's how to retire well on less money:
Know what you want.
Start saving early.
Don't chase high-risk investments.
Save above-average earnings.
Reduce housing costs.
Line up utility payments.
Get rid of car debt.
Move to a less expensive area.
Stretch small items.
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