I’ve always considered myself fairly financially conscious. Well, financially conscious in the sense that I’m conscious of all the “golden rules of finance” — don’t spend money you don’t have, watch your daily spending, save whenever you can — I just don’t do a great job of actually following them. Let’s think of it as operating on a “what you don’t know can’t hurt you” policy: As long as I don’t look at my bank account, it’s like I’m not even spending money, right? (Wrong.) Somehow, I...


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