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Most of us have a complicated relationship with money. We mean to build a cushion. We tell ourselves we'll really start saving once the raise comes through, once the last credit card is paid off, once things settle down enough to breathe. Meanwhile, the paycheck arrives and leaves again, mostly absorbed by whatever felt urgent that week: the bill due today, the appointment that couldn't wait, the small emergency that always seems to land right before payday. None of it feels like a decision. It just adds up.
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