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Pay Yourself First Why is paying yourself first so important. You'll have ample time to save for emergencies in a regular savings account. You'll have ample time to save for emergencies. #1 goal because you are the most important person in your life. The more you save the amount which will be a pleasant experience & surprise for one lifetime. After you 're emergency fund is to start in the same pass book enough in the still the savings account. That is to be the minimum for a Certificate of Deposit. Finally the pros and cons of a mutual fund very careful. Avoid watching the stock market or the news and in the newspaper The degree of being your own money manger rewarding positive aspect. If you can ride the wave of mutual fund. An aggressive for your benefit.