<s>
Everyone_PN1 wants_VVZ stability_NN1 and_CC security_NN1 ._. 
</s>
<s>
However_RR ,_, many_DA2 can_VM not_XX achieve_VVI it_PPH1 ._. 
</s>
<s>
A_AT1 number_NN1 of_IO factors_NN2 make_VV0 the_AT realization_NN1 of_IO financial_JJ freedom_NN1 difficult_JJ ._. 
</s>
<s>
Lack_NN1 of_IO fiscal_JJ discipline_NN1 ,_, high_JJ taxes_NN2 ,_, emergencies_NN2 ,_, debt_NN1 ,_, low_JJ income_NN1 ,_, and_CC necessary_JJ expenditures_NN2 all_DB take_VV0 their_APPGE toll_NN1 (_( literally_RR )_) ._. 
</s>
<s>
While_CS not_XX every_AT1 one_PN1 faces_VVZ all_DB problems_NN2 mentioned_VVN above_RL ,_, most_DAT have_VH0 at_RR21 least_RR22 some_DD ._. 
</s>
<s>
Such_DA problems_NN2 must_VM be_VBI overcome_VVN before_II stability_NN1 and_CC security_NN1 are_VBR achieved_VVN ._. 
</s>
<s>
The_AT first_MD concern_NN1 of_IO those_DD2 seeking_VVG financial_JJ security_NN1 is_VBZ debt-riddance_JJ ._. 
</s>
<s>
As_II the_AT problem_NN1 of_IO debt_NN1 ,_, once_RR incurred_VVN ,_, will_VM only_RR increase_VVI ,_, it_PPH1 is_VBZ very_RG important_JJ to_TO address_VVI the_AT problem_NN1 as_RG quickly_RR as_CSA possible_JJ ._. 
</s>
<s>
Techniques_NN2 such_II21 as_II22 bill_NN1 consolidation_NN1 may_VM help_VVI ,_, but_CCB it_PPH1 is_VBZ usually_RR best_VV0 just_RR to_TO pay_VVI back_RP at_II whatever_DDQV rate_NN1 one_PN1 can_VM afford_VVI ._. 
</s>
<s>
Lowering_VVG expenditure_NN1 is_VBZ the_AT next_MD step_NN1 ._. 
</s>
<s>
High_JJ expenses_NN2 tend_VV0 to_TO be_VBI the_AT most_RGT controllable_JJ of_IO all_DB money_NN1 problems_NN2 ,_, so_CS measures_NN2 taken_VVN against_II them_PPHO2 are_VBR a_AT1 must_NN1 ._. 
</s>
<s>
If_CS it_PPH1 is_VBZ possible_JJ to_TO raise_VVI income_NN1 ,_, this_DD1 should_VM obviously_RR be_VBI done_VDN ._. 
</s>
<s>
It_PPH1 may_VM be_VBI possible_JJ for_IF one_PN1 to_TO get_VVI a_AT1 higher_JJR paying_JJ job_NN1 ,_, or_CC to_TO work_VVI an_AT1 extra_JJ part-time_JJ job_NN1 if_CS necessary_JJ ._. 
</s>
<s>
Once_RR debt_NN1 and_CC expenditure_NN1 are_VBR under_II control_NN1 and_CC income_NN1 is_VBZ raised_VVN ,_, investment_NN1 should_VM be_VBI considered_VVN ._. 
</s>
<s>
Perhaps_RR one_PN1 can_VM buy_VVI stock_NN1 ._. 
</s>
<s>
Retirement_NN1 plans_VVZ such_II21 as_II22 401_MC (_( K_ZZ1 )_) are_VBR also_RR wise_JJ options_NN2 ._. 
</s>
<s>
Financial_JJ security_NN1 is_VBZ a_AT1 goal_NN1 for_IF nearly_RR everyone_PN1 ._. 
</s>
<s>
While_CS it_PPH1 is_VBZ not_XX easily_RR attained_VVN ,_, it_PPH1 is_VBZ possible_JJ ._. 
</s>
<s>
Work_VV0 hard_JJ and_CC be_VBI consistent_JJ ._. 
</s>
<s>
The_AT results_NN2 may_VM be_VBI surprisingly_RR good_JJ ._. 
</s>
