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25- Buying Time

In high school, I fantasized about being a big-city businesswoman who made trailblazing decisions during the day, gourmet meals at her beautiful country-suburban home at night and furniture in her backyard studio on the weekends. My creativity was highly-valued and…

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11- Declaration of Non-Independence

Independence is a cornerstone of the American ethos. Its essence—separate, self-directed, unaided, flourishing success—seeps from the storied founding we celebrate on the Fourth of July to the self-reliant, bootstrapping moral imperative demanded of its citizens. This independence is a legend I overvalued for…

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07- Low-Income Expenditure. High-Income Patterns.

The three largest expenses for most Americans are housing, transportation and food.

In addition to detailing how average and median households spend in these three areas, the BLS’s Consumer Expenditure report (CE) groups US household into groups by income deciles (10 equal intervals, from lowest…

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03- Enough

In the US, we view money as a good you can never have too much of. More is always better. More than currency, it is a measuring stick for freedom, choice, opportunity and the future—which  makes it hard for many to settle on a number to describe “enough.”

In 2010, economists Daniel Kahneman and Angus…

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