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You are struggling to pay minimums on your obligations
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You would have no means of financial survival if you lost your job
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You are saddled with excessive student loans
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You are having fights with your spouse about money
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You are hiding purchases from your spouse or other family
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You do not know what the total amount of your debt is
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Your debt issues have completely depleted your savings
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You lose sleep worrying about debt concerns
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You are borrowing against retirement accounts, or car/house equity
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You are delinquent on one or more of your bills
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You are nearing a repossession
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You have filed or are contemplating bankruptcy
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Your daily thoughts are consumed by debt concerns and it is affecting your job/relationships
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You are getting collection calls
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You are getting your wages garnished
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You have little or no retirement savings
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You have little or no savings in general
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You are a single parent struggling to provide for your children and/or get ahead
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You have children going to college in a short time with little or nothing saved for tuition/expenses
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You don't do a monthly budget and/or are unsure on how to do one
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You have money, and don't know what to do with it
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You just can't seem to make progress in eliminating debt
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You just want to become better at handling money