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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Photos flowing upward from a smartphone screen into an organized grid pattern, illustrating automatic cloud backup and photo organization

These days, most of us walk around with a fantastic camera in our pocket. Your smartphone has capabilities that tower over many cameras that cost thousands of dollars just a few years ago! While they may not have the ability to keep up with today’s high-end DSLRs, a smartphone is how most people document their lives these days. No matter what, the best camera on the planet is the one you have with you, so snap away with your smartphone.

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Abstract geometric steps ascending forward and upward in warm natural light, with small plants growing along the platforms, leading toward a bright open space

The standard career plan of the 20th century was to work for a company for 30 years to get a gold watch and a pension. Across the board, careers were for life. However, as the economy globalizes and society shifts, the monolithic career is dying quickly. Unsurprisingly, the financial systems (compensation, pensions etc) around education have remained stagnant. This juxtaposition of reality and education leads to financial stress and hardship for a staggering number of teachers.

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VLC Media Player's orange and white traffic cone icon centered on a gray surface, surrounded by a circular arrangement of media file format icons including MP4, AVI, MKV, MOV, and others

When you work with media from so many different sources on a daily basis, you see a ton of different media formats. I can’t spend time hunting for specialized players just to check a file. So my go to default media player is VLC Media Player from VideoLAN. Not only can it play pretty much anything you throw at it, the best part is that it is FREE!

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