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Once your debts are paid off, however, the temptations of the hedonic treadmill return. Without the dark cloud of debt, you’re free to spend every last penny you earn: free to buy that shiny bicycle, take that much-deserved vacation, replace that sagging mattress. Putting that sixth month’s salary into your emergency fund doesn’t feel as though it’s nearly as much of an achievement as does paying off your credit-card debt in full. And it’s hard to get support from your peers: personal finance is the last taboo subject, the one thing we never talk about in polite company.
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