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" "people progress through five general stages in the pursuit of what they need: physiology, safety, belonging/love, esteem, and self-actualization.
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I can’t emphasize this enough: the quickest and easiest way to screw up your life is to take on too much debt. The primary reason people spend decades working in jobs they despise is to pay off their creditors. Financial stress can destroy relationships, threaten your health, and jeopardize your sanity.