Tenagne Griffen, manager of personal financial planning at Sterling Asset Management.

For much of our lives, financial progress seems simple. If you want to move forward financially, the answer appears obvious: Earn more.

A higher salary can help pay off debt, cover expenses more comfortably, and create stability. Early in life, earning more often solves many financial challenges. A raise allows someone to move into a better home. A promotion creates breathing room where there was once financial pressure.

At this stage, the relationship between effort and progres

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