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Terri I am 30, single, a med tech, and a graduate student. I feel that I'm generally a very good saver and a so-so budgeter. Hopefully, I'll be able to work on the later.
My personal finance strategy is, in order of priority:
1. Contribute maximum to Roth IRA.
2. Contribute 20% of gross income to 457(b), 403(b), or 401(k).