The 3-3-3 Rule

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Deciding what to do with your tax refund? Instead of trying to choose whether to pay off debt, save it or use it for something fun, why not do it all? Try the 3-3-3 approach: use one-third to pay down your highest interest rate debt, one-third to pad your emergency fund and one-third to spend on something fun. This way you're moving closer to your long-term goals without totally giving up an immediate reward.

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