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Cut to the Chase: Shotgun Budgeting and Borrowing

by Garrett Hawkins

On a recent commute with my kids (ages 3 and 1), my little girl and I sang with Taylor Swift on the radio. The sing-a-longs keep them entertained when their stash of gummy fruit is gone, and the alternative to singing is screaming. My daughter loves Swift’s chart-topper “Mean” (it is catchy). She doesn’t know all of the lyrics, but she always nails the most important line

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