Being debt-free and having savings is essential for retirement planning. Invest 15% of your gross income in retirement accounts like a 401(k) and Roth IRA. Consistent investing over time is key to building wealth, as 75% of millionaires attribute their success to it. Living below your means, budgeting, and prioritizing retirement savings over other expenses are crucial. Generosity and planning for generational wealth through wills and estate planning can enhance financial peace. Start early and stay committed to your financial goals for a secure future.

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