You pay off your debt, celebrate your success, and then BAM - your car needs repairs and you're right back to using credit cards. Sound familiar? There's one simple financial tool that prevents this cycle, but most people have never heard of it. I'm talking about sinking funds, and they're absolutely game-changing for staying debt-free. In this episode, you'll get the exact step-by-step process to set them up, including real numbers, simple systems, and how to make it work even when money is tight. Stop being surprised by 'unexpected' expenses that aren't really unexpected at all.

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