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Hot take: that "pay yourself first" advice wrecked my budget for a year
Everyone says put savings first, no matter what. My brother Chris pushed it hard. I set up an auto transfer of $400 every payday. Problem was, my rent and utilities were due right after. I ended up short on rent twice and racked up $60 in late fees. The old method of budgeting expenses first then saving works better for me. Anyone else find that advice backfires with tight cash flow?
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