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In a perfect world, everyone would have no problem living within their income; we’d all have little to no debt and plenty of money set aside in savings. In the real world, that’s a depressingly rare circumstance. Stuff happens — your kid breaks a leg and runs up a huge medical bill, the car dies, the roof flies off the house in a storm, and suddenly you have no savings and a mountain of debt to worry about. If you’re in this situation, then you have plenty of company.