#debt

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#economy

Trump's Plans Could Increase U.S. Debt While Raising Costs for Most Americans

Trump's economic proposals may significantly increase national debt and hurt low-income Americans.

The Urgent Need for Bitcoin Tax Reform to Encourage Everyday Use

The US faces significant debt challenges, impacting economic stability and leading investors toward assets like Bitcoin as trust in currency erodes.

China Reveals $1.4 Trillion Plan to Bail Out Local Governments

China has launched a $1.4 trillion plan to revive its economy in response to mounting debt and stagnant growth.

France's Budget Problems Very Serious,' Prime Minister Says

France's new Prime Minister warns of critical financial conditions, highlighting the urgent need for action to address ballooning debt and deficit issues.

Big banks are bracing for losses as Americans struggle to pay off debt

US consumers and businesses struggle with debt repayment amid rising inflation and interest rates, prompting banks to increase reserves for potential loan losses.

UK government borrowing in October tops forecasts at 17.4bn

The UK government faces rising borrowing and debt interest, complicating efforts to manage public finances and stimulate economic growth.

Trump's Plans Could Increase U.S. Debt While Raising Costs for Most Americans

Trump's economic proposals may significantly increase national debt and hurt low-income Americans.

The Urgent Need for Bitcoin Tax Reform to Encourage Everyday Use

The US faces significant debt challenges, impacting economic stability and leading investors toward assets like Bitcoin as trust in currency erodes.

China Reveals $1.4 Trillion Plan to Bail Out Local Governments

China has launched a $1.4 trillion plan to revive its economy in response to mounting debt and stagnant growth.

France's Budget Problems Very Serious,' Prime Minister Says

France's new Prime Minister warns of critical financial conditions, highlighting the urgent need for action to address ballooning debt and deficit issues.

Big banks are bracing for losses as Americans struggle to pay off debt

US consumers and businesses struggle with debt repayment amid rising inflation and interest rates, prompting banks to increase reserves for potential loan losses.

UK government borrowing in October tops forecasts at 17.4bn

The UK government faces rising borrowing and debt interest, complicating efforts to manage public finances and stimulate economic growth.
moreeconomy
#credit-cards

What the Fed's Moves Mean for Mortgages, Credit Cards and More

Consumers may have to wait longer for a decrease in interest rates, impacting savings and debt payments.

My parent took out a credit card in my name without my knowledge. It's ruining my life, what should I do?

Credit cards contribute to a cycle of debt with high interest rates affecting millions.
Credit scores can hinder job opportunities and home financing due to punitive measures.
Familial credit card debts can lead to significant consequences for unwitting individuals.

What the Fed's Moves Mean for Mortgages, Credit Cards and More

Consumers may have to wait longer for a decrease in interest rates, impacting savings and debt payments.

My parent took out a credit card in my name without my knowledge. It's ruining my life, what should I do?

Credit cards contribute to a cycle of debt with high interest rates affecting millions.
Credit scores can hinder job opportunities and home financing due to punitive measures.
Familial credit card debts can lead to significant consequences for unwitting individuals.
morecredit-cards
#bankruptcy

Spirit Airlines files for bankruptcy as financial losses pile up and debt payments loom

Spirit Airlines has filed for bankruptcy protection to reboot amidst $2.5 billion losses and over $1 billion in impending debt payments.

Spirit Airlines stock price takes a nosedive after report of possible bankruptcy. What's happening with the low-cost airline?

Spirit Airlines is in crisis talks regarding potential bankruptcy as its stock drops significantly due to financial distress and accumulation of debt.

Spirit Airlines stock plunges after report it's considering filing for Chapter 11 bankruptcy

Spirit Airlines is considering Chapter 11 bankruptcy filing due to heavy debt and operational losses.

Vitamin Shoppe, Pet Supplies Plus owner files for bankruptcy

Franchise Group has filed for Chapter 11 bankruptcy, struggling with $2 billion in debt and impacted by investment firm B. Riley's financial turmoil.

Mohamed Hadid Files For Bankruptcy on Planned Beverly Hills Project

Mohamed Hadid filed for bankruptcy for 4-acre vacant lot in Beverly Hills after accruing millions in IOUs.

Spirit Airlines files for bankruptcy | CTV News

Spirit Airlines filed for bankruptcy protection to recover from losses and debt amid the pandemic and a failed acquisition attempt.
The airline assures customers that ticket validity and loyalty points remain unaffected during bankruptcy proceedings.

Spirit Airlines files for bankruptcy as financial losses pile up and debt payments loom

Spirit Airlines has filed for bankruptcy protection to reboot amidst $2.5 billion losses and over $1 billion in impending debt payments.

Spirit Airlines stock price takes a nosedive after report of possible bankruptcy. What's happening with the low-cost airline?

Spirit Airlines is in crisis talks regarding potential bankruptcy as its stock drops significantly due to financial distress and accumulation of debt.

Spirit Airlines stock plunges after report it's considering filing for Chapter 11 bankruptcy

Spirit Airlines is considering Chapter 11 bankruptcy filing due to heavy debt and operational losses.

Vitamin Shoppe, Pet Supplies Plus owner files for bankruptcy

Franchise Group has filed for Chapter 11 bankruptcy, struggling with $2 billion in debt and impacted by investment firm B. Riley's financial turmoil.

Mohamed Hadid Files For Bankruptcy on Planned Beverly Hills Project

Mohamed Hadid filed for bankruptcy for 4-acre vacant lot in Beverly Hills after accruing millions in IOUs.

Spirit Airlines files for bankruptcy | CTV News

Spirit Airlines filed for bankruptcy protection to recover from losses and debt amid the pandemic and a failed acquisition attempt.
The airline assures customers that ticket validity and loyalty points remain unaffected during bankruptcy proceedings.
morebankruptcy

Said Sayrafiezadeh on Debt, Cults, and Our Inner Algorithms

The story explores the intersection of debt and groupthink, portraying a character's search for freedom amidst financial and psychological entrapment.
#gen-z

Gen Z is carrying more credit card debt than any other generation

Generational mobility remains intact in the US, with optimism about economic prospects despite significant debt burdens, especially within Gen Z.

These millennials and Gen Z-ers are going on vacation - no matter how much it costs

Many Gen Z and millennial travelers are willing to incur debt for vacations, reflecting a shift in financial attitudes among younger generations.

Gen Zers and millennials are willing to go on summer vacation at all costs. Literally.

Young people, including Gen Z and millennials, are willing to go into debt to fund their summer vacations, potentially surpassing $4,000 in debt.

Most Gen Z and millennials are financially dependent on their parents: Pew report

More than half of adults 18 to 34 years old rely on allowance from their parents.
Gen Zers 18 to 24 are most likely to depend on their parents for financial support.

Young people are overspending online. How social media and 'buy now, pay later' apps play a big role.

Gen Z may be more prone to debt due to influencer marketing pressure and social media exposure.

Young people are overspending online. How social media and 'buy now, pay later' apps play a big role.

Gen Z susceptible to influencer marketing and overspending due to social media.

Gen Z is carrying more credit card debt than any other generation

Generational mobility remains intact in the US, with optimism about economic prospects despite significant debt burdens, especially within Gen Z.

These millennials and Gen Z-ers are going on vacation - no matter how much it costs

Many Gen Z and millennial travelers are willing to incur debt for vacations, reflecting a shift in financial attitudes among younger generations.

Gen Zers and millennials are willing to go on summer vacation at all costs. Literally.

Young people, including Gen Z and millennials, are willing to go into debt to fund their summer vacations, potentially surpassing $4,000 in debt.

Most Gen Z and millennials are financially dependent on their parents: Pew report

More than half of adults 18 to 34 years old rely on allowance from their parents.
Gen Zers 18 to 24 are most likely to depend on their parents for financial support.

Young people are overspending online. How social media and 'buy now, pay later' apps play a big role.

Gen Z may be more prone to debt due to influencer marketing pressure and social media exposure.

Young people are overspending online. How social media and 'buy now, pay later' apps play a big role.

Gen Z susceptible to influencer marketing and overspending due to social media.
moregen-z
#murder

Man arrested, accused of killing California couple before burning their bodies, cars in the desert

A Glendale man faces multiple charges for murdering a Brea couple over an $80,000 debt, with possible death penalty consequences.

Man 'executed' couple to escape debt and burned bodies in desert, CA officials say

Huangting Gong was charged with multiple felonies including murder and arson, after allegedly executing a couple to escape an $80,000 debt.

VTA bus driver shooting: Suspect lost football bets to victim before attack, investigators say

Debt from sports betting led to a fatal confrontation between bus drivers.

Man arrested, accused of killing California couple before burning their bodies, cars in the desert

A Glendale man faces multiple charges for murdering a Brea couple over an $80,000 debt, with possible death penalty consequences.

Man 'executed' couple to escape debt and burned bodies in desert, CA officials say

Huangting Gong was charged with multiple felonies including murder and arson, after allegedly executing a couple to escape an $80,000 debt.

VTA bus driver shooting: Suspect lost football bets to victim before attack, investigators say

Debt from sports betting led to a fatal confrontation between bus drivers.
moremurder

Letters: Racking up debt

California voters approved more debt with vague objectives for education and environmental concerns, raising questions about accountability and effectiveness.
#gen-x

It's not Gen Z this time. Gen Xers are working the most gigs to stave off financial insecurity

Gen X is struggling financially, with 81% feeling insecure about their income despite long careers.

If you haven't started saving for retirement in your 40s, there's still hope - but you need to follow these steps

Gen X faces significant retirement challenges with high debt and low savings, highlighting a need for informed financial planning.

It's not Gen Z this time. Gen Xers are working the most gigs to stave off financial insecurity

Gen X is struggling financially, with 81% feeling insecure about their income despite long careers.

If you haven't started saving for retirement in your 40s, there's still hope - but you need to follow these steps

Gen X faces significant retirement challenges with high debt and low savings, highlighting a need for informed financial planning.
moregen-x

Opinion | How Expensive Is Going to Jail? We Did the Math.

Criminal justice fees significantly impact individuals' lives by creating insurmountable debt and economic consequences, beyond just fines and restitution.

Do you want a giant Redbox machine? Now's your chance

Redbox's demise signifies the end of traditional video rental services due to overwhelming debt and changing media consumption habits.
from Fast Company
1 month ago

How debt influences Gen Z and millennial career choices

Many workers are influenced by financial concerns when making career decisions, significantly impacting younger generations more than older ones.

DirecTV Strikes Deal to Acquire Dish Network

DirecTV's acquisition of Dish Network aims to create a satellite TV giant while potentially saving Dish from bankruptcy.

IMF loan offers Pakistan relief but long-term reforms remain a challenge

The IMF's $7bn loan is crucial for stabilizing Pakistan's economy, but essential reforms are necessary for long-term sustainability.

Sotheby's is so mired in debt that some senior staffers received IOUs

Sotheby's faces financial troubles due to increased debt and a declining art market.
#budgeting

5 Signs You're In Over Your Head and Need to Get Professional Financial Help

Admitting to needing financial help can be a crucial first step towards budgeting effectively.

In My Marriage Money Was a Trap. After My Divorce It Was My Freedom

Managing finances after divorce can be challenging, especially if one spouse is left with debt and no assets.
Learning about personal finance and budgeting is crucial to financial stability after divorce.

5 Signs You're In Over Your Head and Need to Get Professional Financial Help

Admitting to needing financial help can be a crucial first step towards budgeting effectively.

In My Marriage Money Was a Trap. After My Divorce It Was My Freedom

Managing finances after divorce can be challenging, especially if one spouse is left with debt and no assets.
Learning about personal finance and budgeting is crucial to financial stability after divorce.
morebudgeting

'Significant action' needed to stabilise UK finances, warns OECD

OECD urges immediate reforms in the UK's fiscal policy to stabilize public finances.
#boeing

Boeing's credit rating is 1 step above speculative grade known as junk

Boeing faces potential credit rating downgrade due to strike affecting production and cash flow.

Ratings agencies warn of downgrade if Boeing strike prolonged

Boeing faces potential ratings downgrade risk due to possible prolonged strike and significant debt obligations.

Boeing's credit rating is 1 step above speculative grade known as junk

Boeing faces potential credit rating downgrade due to strike affecting production and cash flow.

Ratings agencies warn of downgrade if Boeing strike prolonged

Boeing faces potential ratings downgrade risk due to possible prolonged strike and significant debt obligations.
moreboeing

Sadiq Khan refuses to rule out sending in bailiffs as TfL owed nearly 400m in unpaid Ulez fines

The amount owed to TfL for unpaid clean air levies has risen to £376 million, with bad debts exceeding £450 million.
TfL faces substantial challenges with unpaid fines, prompting considerations of further actions.

Ex-NFL MVP Peterson ordered to turn over assets

Adrian Peterson ordered to turn over assets to pay off over $12 million debt stemming from a 2016 loan.

Indonesian fruit-pickers say seasonal work in UK left them drowning in debt

Migrant workers in the UK face unrealistic targets leading to premature job loss and significant debt.
#real-estate

Controversial 'Ground Zero Mosque' faces foreclosure

The vacant property at 49-51 Park Place in downtown Manhattan, formerly known as the 'Ground Zero Mosque' site, is facing imminent foreclosure over a $7.5 million debt.
Blueberry Funding LLC, the lender behind the foreclosure lawsuit, claims to have attempted negotiations with developer Sharif El-Gamal before resorting to legal action.

NYC building sales slump despite plummeting prices because of crippling regulations, high interest rates

The value of city buildings is declining due to high interest rates, regulations, and vacancies caused by remote work and downsizing.
Trillions of dollars in debt will soon come due, creating a reset of property values.

Late Real Estate Mogul Brandon Miller Died With Just $8,000 in the Bank-and $34 Million in Debt

Brandon Miller's financial struggles revealed a contrast between his public image of wealth and the reality of his debts totaling $34 million.

Late Real Estate Mogul Brandon Miller Died With Just $8,000 in the Bank-and $34 Million in Debt

Brandon Miller's financial reality starkly contrasted with his public persona, culminating in $34 million of debt at the time of his passing.

Brandon Miller left behind $34M in personal debts

Brandon Miller was burdened by $34 million in debt at the time of his suicide, with significant real estate financial challenges.

Controversial 'Ground Zero Mosque' faces foreclosure

The vacant property at 49-51 Park Place in downtown Manhattan, formerly known as the 'Ground Zero Mosque' site, is facing imminent foreclosure over a $7.5 million debt.
Blueberry Funding LLC, the lender behind the foreclosure lawsuit, claims to have attempted negotiations with developer Sharif El-Gamal before resorting to legal action.

NYC building sales slump despite plummeting prices because of crippling regulations, high interest rates

The value of city buildings is declining due to high interest rates, regulations, and vacancies caused by remote work and downsizing.
Trillions of dollars in debt will soon come due, creating a reset of property values.

Late Real Estate Mogul Brandon Miller Died With Just $8,000 in the Bank-and $34 Million in Debt

Brandon Miller's financial struggles revealed a contrast between his public image of wealth and the reality of his debts totaling $34 million.

Late Real Estate Mogul Brandon Miller Died With Just $8,000 in the Bank-and $34 Million in Debt

Brandon Miller's financial reality starkly contrasted with his public persona, culminating in $34 million of debt at the time of his passing.

Brandon Miller left behind $34M in personal debts

Brandon Miller was burdened by $34 million in debt at the time of his suicide, with significant real estate financial challenges.
morereal-estate

Why is Thames Water in so much trouble?

Thames Water's debt has ballooned to £15.2bn since its 1989 privatization, raising concerns about financial management and infrastructure investment.

Celtic Tiger-era developer battles to save D4 home 12 years after claiming he struck deal to keep it

Cathal Mallon is facing repossession of his Dublin home due to a €1.3m debt from a loan taken in 2005.

Families Are Going Into Debt for Disney Vacations

Disney vacations can lead families into significant debt, especially amid rising living costs.
Parents often view Disney trips as valuable experiences despite the financial strain.
Demand for Disney parks is declining as families reassess travel expenses during economic challenges.

A debt strategy that's seen as unsustainable is getting more popular on Wall Street

The rise of PIK (payment in kind) debt in corporate filings raises concerns about hidden leverage and long-term financial stability.
#mental-health

How an Instagram-perfect life in the Hamptons ended in tragedy

The Millers' extravagant lifestyle was supported by superficial appearances, leading to tragic personal and financial fallout.

The rise of debt and mental health: Understanding the Psychological Impact

Debt and mental health are closely linked, with rising personal debt levels leading to increased anxiety and depression.

Money worries creating mental health timebomb with young people

Young people are significantly more affected by money worries, impacting their mental health compared to older generations.
The cost of living crisis has led to increased reliance on credit and growing debt piles for young people, exacerbating their mental health struggles.

How an Instagram-perfect life in the Hamptons ended in tragedy

The Millers' extravagant lifestyle was supported by superficial appearances, leading to tragic personal and financial fallout.

The rise of debt and mental health: Understanding the Psychological Impact

Debt and mental health are closely linked, with rising personal debt levels leading to increased anxiety and depression.

Money worries creating mental health timebomb with young people

Young people are significantly more affected by money worries, impacting their mental health compared to older generations.
The cost of living crisis has led to increased reliance on credit and growing debt piles for young people, exacerbating their mental health struggles.
moremental-health

U.S. debt interest costs are about to blow past $1 trillion this fiscal year

The US budget deficit exceeded $1.5 trillion for 10 months, narrowed by higher revenues, with interest burden from debt remaining a significant challenge.
#financial-health

The "30% Rule" for Paying Rent Isn't for Everyone - Try This One Instead

Reconsider the 30% rent rule and assess overall financial health for housing affordability.

Americans have become saddled with credit card debt. Renters and poor people are falling behind

Lower and middle-income Americans, particularly renters, are falling behind on debts and could face further financial deterioration.
Credit card delinquency rates and charge-off rates are increasing, coinciding with record credit card balances and high interest rates.

The "30% Rule" for Paying Rent Isn't for Everyone - Try This One Instead

Reconsider the 30% rent rule and assess overall financial health for housing affordability.

Americans have become saddled with credit card debt. Renters and poor people are falling behind

Lower and middle-income Americans, particularly renters, are falling behind on debts and could face further financial deterioration.
Credit card delinquency rates and charge-off rates are increasing, coinciding with record credit card balances and high interest rates.
morefinancial-health

Is Laos facing a China debt trap? DW 07/23/2024

China's loans to Laos for infrastructure development have led to a mountain of debt and economic struggles.

The Horse by Willy Vlautin review man and beast in harmony

The author, Willy Vlautin, skillfully explores working-class life in the American West through recurring themes such as debt, alcoholism, and connection to nature, with his latest novel featuring a character who must confront the ruins of his past through an unexpected encounter with a horse.
#legal-issues

The Maker of Stable Diffusion Is Collapsing, Considering Sale

Stability AI, known for the Stable Diffusion AI image generator, is facing financial turmoil with massive debts and minimal revenue.

SaltWire Network files for creditor protection, has $94M in debt | CBC News

SaltWire Network filed for creditor protection with nearly $100 million in debt.
Fiera Private Debt Fund is owed a third of SaltWire's debt, with legal issues including unpaid taxes and pension plan payments.

The Maker of Stable Diffusion Is Collapsing, Considering Sale

Stability AI, known for the Stable Diffusion AI image generator, is facing financial turmoil with massive debts and minimal revenue.

SaltWire Network files for creditor protection, has $94M in debt | CBC News

SaltWire Network filed for creditor protection with nearly $100 million in debt.
Fiera Private Debt Fund is owed a third of SaltWire's debt, with legal issues including unpaid taxes and pension plan payments.
morelegal-issues

Everton's defining week amid 777 takeover uncertainty

Everton faces financial challenges with high debt and uncertain future due to the ongoing 777 takeover saga.

Law School Brings Serious BDE (Big Diploma Energy)

Cooley Law School incurs high debt, low bar passage rates, belittled for associating with prestigious schools while boasting oversized diplomas.

Oakland police ID man shot and killed during Jan. 7 argument

A 34-year-old man named Romell Wright was shot and killed during an argument in Oakland.
Police believe the argument may have been over a debt.

Don't Be a Borrower If You Can Help It

Owing money leads to unhappiness, so carrying less debt can make you happier.
What matters is not how much money you have, but how you use it for experiences, time with loved ones, or giving to causes you care about.

George Santos is gone from Congress. His campaign committee is still a financial mess.

Nancy Marks, the former campaign treasurer for George Santos, pleaded guilty to fraudulent reporting.
Santos' campaign committee is still active and has reported owing over $16,000 to WinRed and a total of $155,000 in debts.

'Desperation borrowing' due to low incomes fuels payday-style lenders: debt counsellor | CBC Radio

Rapid loans, also known as installment loans, have become more common as provinces crack down on predatory payday loan practices.
High interest rates and the ease of obtaining rapid loans have led to a cycle of debt for many borrowers.

More Than Half of Americans Don't Have Enough Savings to Cover Emergency $1,000 Expense

More than one in five Americans have no emergency savings fund set up at all.
Only 44% of Americans could pay for a $1,000 emergency through a savings fund they are currently maintaining.

Labour and Tories need to be honest about economic trade-offs, says IFS

The next UK government will face tough choices regarding taxes and spending due to weak growth and high debt interest payments.
The Institute for Fiscal Studies warns that budget tax cuts risk being reversed or paid for by spending cuts.

Cafe Tropical closed 8 weeks ago. Employees say they're still missing thousands in pay

Former employees of Café Tropical in Silver Lake are still missing their final paychecks months after the coffee shop closed.
The closure of the coffee shop was caused by debts and a family dispute, leaving employees out of work and without their owed pay.

How to Protect Your Small Business' Finances Regardless of the Economy | Entrepreneur

Uncertainty in global events can impact small businesses
Getting debt is difficult for small companies

$21B in CMBS Loans Will Come Due Across LA, OC in 2024

$21 billion worth of debt backed by L.A. and O.C. properties will mature in 2024
Nearly 60% of the CMBS and CLO loans coming due this year are in special servicing or watchlisted

Fireworks erupt at Harvey City Council meeting after residents being boarded up inside their apartments sparks outrage

Harvey's City Council meeting included impassioned public comments and two aldermen escorted out by police.
Mayor Christopher Clark asked for forgiveness while highlighting the city's debt.

Radio giant Audacy, which owns WBBM, Score 670, WXRT and other Chicago stations, files for Chapter 11 bankruptcy

Audacy, the nation's second largest radio chain, has filed for Chapter 11 bankruptcy in order to reduce its $2 billion debt.
The bankruptcy is a result of the pandemic, revenue declines, and debt from a previous merger with CBS Radio.

The dark world of illegal loan apps in India

Borrowers are harassed by reps of lending apps who abuse, threaten and blackmail them by accessing their contacts, pics.

PL clubs vote for 5-year player contract limit

Premier League shareholders have voted to limit the length of new player contracts to a maximum of five years.
The new measure brings the Premier League in line with UEFA's five-year cap on contract lengths.

Gen Z'ers Who Are Choosing Not To Go To College Are Sharing Why, And It's Verrrrry Interesting

The speaker is 21 years old and has a well-paying job
The speaker's husband is unhappy due to debt and expectations from pursuing a degree

Beacon Hill Condo Broker Moves To Alaska Boston Condos For Sale Ford Realty

A Beacon Hill condo broker moved to Alaska.
The broker is known as a Boston Red Sox fan.

Troubled Crypto Exchange Zipmex Proposes to Pay Creditors 3.35 Cents on the Dollar: Bloomberg

Zipmex, a troubled cryptocurrency exchange, has proposed paying creditors 3.35 cents on the dollar in its restructuring plan.
Major creditors have pushed back against the proposals and requested a review of Zipmex's assets and liabilities.
Zipmex froze withdrawals in July 2022 after suffering losses from the collapse of the Terra ecosystem and exposure to bankrupt Celsius Network.

Germany Announces Special Budget to Avert Crisis

Germany has announced a plan to address its budget crisis without requiring fresh debt.
The plan involves adopting a special budget to cover the cost of energy subsidies.
The government's spending plans were compromised by a court ruling that violated the constitution.

El Salvador Remains in the Red on Bitcoin Holdings, But Losses Are Narrowing

El Salvador's DCA plan to buy one bitcoin per day has resulted in losses on its bitcoin holdings.
The exact amount of bitcoin that the country owns is not clear as there is no public government record.
El Salvador's bonds have shown strong returns and the country's debt rating has been upgraded.

Chelsea and Arsenal willing to pay 70m for Barcelona ace next summer

Barcelona is looking to cash in on one or two of their stars to help with their financial situation.
Former Leeds United winger Raphinha is attracting interest from Arsenal and Chelsea, who are willing to pay around 70m for him.
Barcelona has a ready-made replacement for Raphinha in 16-year-old Lamine Yamal.

We Just Got Married. I Can Already Tell Our Financial Agreement Was a Big Mistake.

Physicians often face high debt with varying levels of income and saving habits, sparking concerns in marital finances and future earnings.
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