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About the author: Jonathan Clements is the founder of the personal finance website HumbleDollar. He spent almost 20 years at The Wall Street Journal, where he was the newspaper’s personal-finance columnist, and six years at Citigroup, where he was director of financial education for the bank’s U.S. wealth management arm. Read a section adapted with permission by Harriman House from My Money Journey: How 30 People Found Financial Freedom—And You Can Too.
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