tough choices
Tough choices: Pay down debt or save for emergencies?
What’s more important, paying down debt or saving for emergencies? Will the answer be the same for everyone?
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401k cash-based living cash budget common sense contracts credit cards debt-land debt payoffs debt snowball decision-making economy emergency fund excessive spending extra cash friends government hardship holidays income interest interest rates job legislation net worth obligations payments payoff order problem solving purchases refunds rewards shopping spending support groups tough choices travel vacations
