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Introducing Phase 4
Phase 4 is for those who are theoretically ready to launch but have an agreement to stay and conserve resources before the final move. If you have sufficient income to cover your bills, but are still living at home to save aggressively, this is your phase!
To be successfully in Phase 4, you need three things:
Sufficient Income to Launch: You can cover your bills (and potentially split rent).
Clear Launch Goals: Specific, tangible savings targets (e.g., first/last month's rent, full emergency fund, paying off small debts, or wedding costs).
A Launch Date Schedule: A reasonable deadline, set…
The skinny
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