Ever think you're operating on non-existent funds in your bank account, hoping you can juggle things enough until the next pay check so nothing actually bounces, only to balance your checkbook to find that you have $50 sitting in there after everything else clears? Do you trust that $50 to actually be there, or do you attribute it to the inability to manage money and assume that if you spend it, something that didn't occur to you will bounce? It's kind of nerve wracking, but hey, maybe I can go to the movies this week.
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