Mia and Allen, married with two teenage sons, both work. They have read Dave's books, finished a beginner emergency fund, established a budget, and are working on their debt snowball. Both claim no dependents and take extra money out of their checks. Then in April, when they see how much they'll get back, they celebrate! It's like "found" money! They use that windfall for a lavish family vacation every summer. You told them that was all wrong. They asked why. Explain yourself.
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