We’ve all heard and read of horror stories of people who live by the motto Yolo (You only live once) and end up getting into massive debts because they “enjoyed” the present but failed to prepare for the future. The pandemic made people realize a lot of things. One of which is that our money and our jobs can be taken away from us in an instant. One of my best friends once told me that she admires how I handle my finances. The truth is I am far from perfect, but I can say that I have made a lot...

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