A lot of people think that everything will be awesome when they retire, without getting ready for it. It will just be magic. We live in debts, from paycheck to paycheck, without thinking that we could lose our job one day or have a huge emergency. We build our world on credit cards and “no payments for a year” to get things we can’t really afford, we have 78 monthly payments and we go through our pay like hot water thrown on stove. We say to ourselves, it’s ok, you only live once! Right? I’ve realized that being financially healthy doesn’t happen by luck,
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