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Sadly, the days of recklessly dropping two grand on nail polish are over. Dominique Bergel-Grant, founder of Leapfrog Women & Money says, “At 30, you're just 35 years from retirement—if you want to keep working till 65, that is! It's not so much what you spend your money on, but how you spend it. Stop using cards and stick to cash. This helps keep you more accountable.”