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• [ ] Open a separate high-yield savings account
• [ ] Open a brokerage account
• [ ] Set an auto-transfer: checking → savings, the day after payday
• [ ] Set a recurring auto-invest into a low-cost index fund (even $50)
• [ ] Turn on autopay for rent, utilities, subscriptions, credit cards
• [ ] Rename your bank accounts: "Spend," "Safety," "Grow”
• [ ] Delete saved cards from shopping apps you overspend in