What steps can I take to improve my financial health and reduce debt at 45?
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To improve your financial situation, start by creating a budget to track your income and expenses. Identify areas where you can cut back on spending, like dining out or subscriptions you don’t use. Focus on paying off high-interest debt first and consider consolidating if it helps. Build an emergency fund to cover 3-6 months of expenses. Invest in retirement accounts like a 401(k) or IRA to secure your future. Finally, educate yourself on personal finance to make smarter long-term decisions. Small, consistent steps can lead to big improvements!