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Are you ready to transform your finances in the new year? Honestly speaking, this is something you should want to do at any given time, but some people like the idea of a clean slate. One neverending goal you should work to establish (and maintain) is a financial portfolio. Contrary to popular belief, you don’t need Oprah or Bill Gates’ money to leave a legacy. Here are some tips on how you can start building your financial portfolio.

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