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When you’re working through the first three Baby Steps, you need to attack them with everything you’ve got. Save $1,000, pay off all your debt using the debt snowball, then build a fully funded emergency fund of 3–6 months of expenses. Once you do that, you’ll feel a level of freedom and peace you’ve never had before. No more stress, no more payments—just breathing room and control over your money. But to get there, you have to commit. You have to be so focused that your broke friends think you’
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