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Oh, no worries on the stress front, TB! As Joe can attest, I am perhaps one of the world’s MOST laidback people. I find that creating a solid plan actually makes debt way less stressful. I think what most people don’t realize is that uncertainty is what feeds a lot of financial woes. Sitting down and looking at what you owe may be a scary thought, but when you do it you know that you won’t be broke like this forever, and that is nothing but a relief.
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