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14 Money heroes: Their best financial advice

Dan Otter

Co-founder, 403bwise.com

"Don't buy a house until you can make payments and save for retirement. I bought a home 20 years ago -- in a place I didn't love -- that lost 25% of its value in three years. I had no savings and little power to change my situation."

NEXT: Improved Medigap policies

As Told To Joan Caplin @Money - Last updated November 23 2012 06:32 AM ET

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