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Most people think the bill is debt. Sorry to disappoint. It’s the opportunity cost of not paying yourself first. Every month you don’t invest, you’re “paying” with: — extra years you’ll have to work — less freedom to say no — more pressure on your marriage — stress when something breaks. Those things never happen when life is easy, we just call it bad timing. When you need options and don’t have them. It’s the gap between effort and what actually ends up in your accounts. Which has very little t
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