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I follow the Ramsey financial philosophy and I have done well. A transmission could go out, an Bbd of the blue injury could happen, etc… If you are not prepared for these things, finances can grow out of control quick. Not restricted by other people's opinions and carefree. I was able to climb out of a massive debt when I was advised to file bankruptcy; I owe most of my thanks to Mr. So, if that be the case with you, I would say the most common misnomer about personal finances is the debt snowball approach.
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