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Every morning, imagine you wake up and check your bank account. Sitting there is $84,600—no more, no less. There’s only one rule: by the end of the day, it will be gone. It doesn’t matter whether you invested it wisely or wasted it carelessly. At midnight, the balance resets to zero. Then, without fail, the next morning it happens again. Another $84,600 appears. Knowing this, you wouldn’t hesitate. You wouldn’t procrastinate. You wouldn’t say, “I’ll deal with it later.” You would spend that mone
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