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A big expense is coming up ... when should you start saving for it?

QUESTION: Listener asks if you are supposed to put major future purchases into the budget, and how far ahead of time.

ANSWER: I put it in as soon as I have to in order to know that I can do it. If you want a car in 3 years and I know it will take me that long to start saving up, start saving. But if you’re out of debt, you should be able to save up fairly quickly.

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