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    like medical emergencies, loss of a job, and divorce, all of which can put a person into a financial spiral. But for most Americans the root of financial trouble is simpler (and fixab
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    Americans the root of financial trouble is simpler (and fixable!): overspending.

    Whether it's the holiday gifts (Christmas and Hannukah are obviously big ones, but Valentine's Day and Mother's Day add up too) or small indulgences (a trip to the local coffee shop or a nice dinner out), Americans regul

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