A CFP shares how his millionaire clients spend, save and invest their money

When it comes to managing your money, it’s natural to have a lot of questions: Are there expenses you shouldn’t put on a credit card? How much cash should you keep in your savings and checking accounts? When are you ready to start investing?

But personal finance is personal, and sometimes the answers to these questions aren’t straightforward. What works for one person won’t work for another. And it can sometimes seem like certain financial decisions are only reserved for the very rich.

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