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What would you do if I handed you $130 right now? No conditions, no interest; it’s all yours. Would you pay a bill with it? Go out to dinner and celebrate? Throw it on your bed and roll around in it? What if I told you that if you wanted that $130 dollars you had to save it instead? Arrgh, that’s not nearly as much fun, right? Everyone knows that saving anything is hard. How can you do that when you have bills to pay, groceries to buy, and expenses that pop up out of nowhere? You’d want the mo