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Every month, before the first bill arrived, Chris and Sarah sat down at their kitchen table with a simple spreadsheet. They followed a strict "zero-based budget," a concept popularized by financial experts like Ramsey Solutions. Every dollar they earned had a name before it ever left their bank account.

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A 25-year-old earning $60k, investing 15% ($9k/year) at 9% return → . Every month, before the first bill arrived, Chris

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