Person wearing wireless earbuds while organizing pantry shelves with glass storage containers, illustrating productive multitasking with podcast listening

I am a huge fan of podcasts. I listen to them all the time, in the car (unless my son objects), doing chores around the house or classroom, and any other time I can.

I used the built-in iOS podcast app for a while, but it was not amazing by any means. I found Overcast, and I never looked back!

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Split composition contrasting traditional banking on the left (cluttered checkbooks, paper statements stamped with 'FEE' and 'OVERDRAFT NOTICE,' scattered coins) with modern digital banking on the right (clean tablet and phone interfaces showing account growth, with glowing lines suggesting automated transfers)

Congrats, you probably have a clearer understanding of your finances and a better plan for your debt than anyone you work with. I don’t know why, but teachers are inherently bad at this, so be proud of your progress. You are on your way to being the Rich Uncle Pennybags of your school.

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You might ask why a label maker is one of the first things I am reviewing. I know it might sound silly but a label maker (this one in particular) is one of those things that you never knew you needed.

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Three-panel progression showing a snowball rolling downhill, growing from small to medium to large, illustrating the momentum-building debt payoff strategy

You deserve a high five! You have not only decided to take action, but you actually have made tangible progress. A stunning number of people never make it as far as you already have.

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Financial documents and papers scattered in the foreground transitioning to neatly organized, color-coded stacks in the background, illustrating the process of gaining financial clarity

“If you live long enough, you’ll make mistakes. But if you learn from them, you’ll be a better person. It’s how you handle adversity, not how it affects you. The main thing is never quit, never quit, never quit.”

– Former President Bill Clinton
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