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Dear Dave, I’ve been listening to your radio show, and as a result I’ve decided I’m tired of living paycheck-to-paycheck and being broke all the time. I know Baby Step 1 is saving a beginner emergency fund of [post_excerpt],000. But do you recommend getting current on past due bills before starting the Baby Steps? Dear Edward, I love it! When people decide to change their lives, and they talk about it the way you have, I know they’re serious about making something good happen. You’re sick and tired of being sick and tired, and you’re going to get control of...

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