Some financial disasters are a long time in the making. It typically takes years of unfortunate choices — minimum credit card payments, forgone savings opportunities — to create suffocating debt or a poverty-level retirement. Other disasters you can trigger almost instantly. The decision itself costs money, or the clock starts ticking toward a consequence you...
from NerdWallet
https://www.nerdwallet.com/blog/finance/ruin-finances-fast/
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