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Broke by Choice

Being broke is expensive. Staying broke is a decision.

When are you actually out of debt?

Balance, rate, payment. And the number no statement gives you: what the interest adds up to.

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Broke Because …

Broke because it was on sale

Why a former-price comparison works on people, what the regulator says about it in its own worked example, and the arithmetic that eats a discount…

$49 per year

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