Reformulated baby steps

http://www.hellowallet.com/ladderScreen Shot 2016-04-04 at 1.15.50 PM.png

https://medium.com/@happybandits/a-major-obstacle-to-personal-finance-explained-by-stephen-wendel-d47777cf1fa3#.jyp5xbque

Facebook isn’t really Facebook. It’s more like systematic conditioning impulse purchase book.

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