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But not everyone has the time or desire for a second job — and tha.

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You may think that a penny isn't worth much, so it's easy to overlook. But not everyone has the time or desire for a second job — and tha. Would you rather get money today — or in five years from now? With a little time and effort, you can easily turn your talents and surplus resources into income. Between bad habits and wishful thinking, poor financial choices can happen all the time.

Most of us would choose today.

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