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You’ve been hopped up on debt for so long, you can’t even remember how it feels to be free from it. Every piece of debt you took on gave you that high, that euphoric rush. Not directly, of course, but from the short-term high of instant gratification that comes from buying something you really, really wanted. Your long-term goals seemed too far away, so you bought that car, that handbag, that new laptop, that house. You financed it all through years of debt service.

Let’s pause and think about those words for a moment:…

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