The Carr Report: You need a budget!

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Several years ago, I wrote an article titled, “I’m talking to YOU.” In that article I wanted to be very clear who I was talking to.  I was talking to YOU!
I wrote that particular article after observing people tell me, so and so can use my advice. It was their mother, father, sibling, uncle, aunt, grandparent, cousin, friend. Never themselves. Let me state for the record, no one is exempt from sound financial advice. NO ONE! When I say “You need a budget