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Debt doesn’t just cost money—it changes behavior. When you owe money, you’re less likely to take risks. Less likely to quit a job you hate. Less likely to start a business or pursue something uncertain. You become predictable. Stable.

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2005-10-20.  Paramèter |month= sing ora kawruhan dikunci (pitulung); Paramèter |year= sing ora kawruhan dikunci (pitulung)

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