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I took over the family budget 20 years ago. My wife kept her checkbook and certain bills and responsibilities, and I did too. We were debt free twice. What this class pointed out to me was having a substantial emergency fund. Then you don't have to put car or medical issues on plastic. I closed one of my checking accounts and opened up another savings account for such a time as it will be needed. It was very satisfying. MY four adult children have been money wise, but I am encouraging them to do the same.
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