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Refi to 15 year

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    #46
    Here's what I believe in and I follow:

    1. Dave Ramsey to get out of debt
    2. Mr. Money Mustache for saving
    3. Bogleheads for investing

    And daily visits to SavingAdvice.com

    I have no idea if this is better than anything else, but it has me back on track.

    Tom

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