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(CNN Money) — You know what your financial priorities are supposed to be: Max out retirement savings. Build a cash cushion for emergencies. Get rid of any credit card debt. Save for your kids’ college education. Pay off the mortgage before you retire.  Problem is, for most of us there doesn’t seem to be enough money to fully fund all those purposes and put dinner on the table. (Baltimore financial planner Tim Maurer calculates that for a couple with two kids, just saving the ideal amounts for retirement, college, and emergencies would require $72,000 a year.)

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