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Saving money can be challenging. It can be tempting to deal with expenses by taking on debt, either by getting credit cards or through loans, especially when interest rates are low. But creating a savings account is critical to financial security and independence. Although it can be difficult to sock away money, you’ll thank yourself down the road for saving rather than racking up debt. Here are some of the top reasons why saving is the best choice.

Read the full article in the Finances FYI section of The Seattle Times, sponsored by 1st Security Bank.