excessive spending
Meltdown of common sense living
Fundamental problems with today’s society and government.
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401k cash-based living cash budget common sense contracts credit cards debt-land debt payoffs debt snowball decision-making decision-making.personal money management economy emergency fund excessive spending extra cash extra payments friends fun government hardship holidays income interest interest rates job legislation net worth novelties obligations overtime payments payoff order personal responsibility politics problem solving purchases refunds rewards shopping spending support groups t-shirt tough choices travel vacations
