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 Here’s an essential tip to help you make better financial decisions. PeopleImages.com – Yuri A / Shutterstock.com

In his excellent newsletter “Atomic Habits,” author James Clear describes two kinds of problems: those that are like muddy puddles and others that are like leaky ceilings. Are your financial problems (and we all have them) leaks or puddles? Let’s explore how can you reduce financial stress and make better financial decisions by categorizing your issues accurately.

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