Set up an automatic debit from your checking account and your purchase fees shrink even more, and some companies will waive minimum initial investments.

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The IRS has a withholding calculator that can help you determine the correct amount, (click here.) If you make an adjustment, be sure to capture the increase in your paycheck and put those dollars to the best use, whether it is setting up an automatic transfer from a checking to a savings account or increasing your retirement plan at work.

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