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Duty. Honor. Education.

“I wouldn’t have received the promotion without my degree,” says Grady. “Once you reach a certain level in the military, promotions are very competitive. You receive points for different accomplishments. The points I received for my degree, along with points for military education, made the difference between first and second place for the position of sergeant major.”

Strategies to Saving

It was at the age of 47 that Cheryl Derricotte realized she needed to be disciplined about saving money. “There I was with a spotty savings and no emergency fund,” says Derricotte, who works for an environmental nonprofit in Oakland, California. “I knew that I had to think about retirement, something I’d not been too serious about.”

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