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My friend said, 'I've been really disciplined with my budget this month.' I said, 'That's great! What's different?' He said, 'I use a spreadsheet now.' I said, 'And?' He said, 'I have four tabs open. One is the budget. One is a recipe for pasta. One is a comparison of streaming services. One is a tab from three weeks ago that I can't remember opening. And the budget tab is empty.'

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