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Remember, at age 45 you only have 520 fortnightly pays until you turn 65 and relying on a pension (that may not exist) is not a good plan.

Sincerely wishing you more love and less debt.
 Much more than financial discipline!
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YMM (aka Larissa Zimmerman) has a BSc (Maths), DipFS (Consumer Ed), Cert IV in Fitness (Personal Trainer) and a few other pieces of paper.
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