What toothpaste has to do with budgeting, which has to do with life.

I reached that point. You know what I’m talking about. When you get to the end of the tube of toothpaste . . . and you’re just trying to squeeze out just another drop.  Or even a half a drop.  You roll it.  You press it.  You stuff your toothbrush bristles into the nozzle itself …

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