No more excuses

You can reach your fitness goals for free. ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/a5f3d3d9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2NiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=q1IcFJeANGMLYR14wVkyrGMVJDtAbxc6kq6osAGqwLg)   Who’s the greatest singer of all time? Rolling Stone just dropped its list, and some music fans are upset about a slight of titanic proportions: Powerhouse singer Celine Dion is nowhere to be found. We’ll be over here silently protesting by blasting Celine power ballads to fuel our next workout. Speaking of which…     63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/27fb9571?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2NyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2Jlc3QtZnJlZS13b3Jrb3V0LWFwcHMtbWVuLXdvbWVuXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTA0JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=tpgnIoNWG1LoDDj5LBkR-jy7p6tmWnOaCUhzU0xUKrk  [This Is for Everyone Who Hates Gyms](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/3ef3a2de?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2OCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2Jlc3QtZnJlZS13b3Jrb3V0LWFwcHMtbWVuLXdvbWVuXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMwMTA0JnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzAxMDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=PVVJdnoP1fbD3Rt6TffCEX6jru24jKYeZB8MxB3ocu8)  A new day (er, year) has come, and you’re determined to take control of your fitness. But the last place you want to be right now is a gym packed with other ambitious (and sweaty) resolutioners. These apps let you exercise at home and they don’t cost a dime.     [Should I Tell My Daughter She's Cut Off at 18 Now or Wait?](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/71d206a8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2OSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2J1ZGdldGluZ1wvZGF1Z2h0ZXItY3V0LW9mZi1hdC0xOFwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwNCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=iQsFUDVRFB2hXWo4LRSl9PgCy_IRLBSaepPAyq0yIU4)  Dear Penny — I’m cutting off my daughter after high school in five months. I could easily provide for her. We have a great relationship. But after living with my parents into my 20s, I believe in the School of Hard Knocks. Do I tell her now or wait?          63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/ea9c580e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjU3OGM0MTBiOTI4MTQzZTA4YmJiYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL2hvdy1kb2VzLXNzZGktd29ya1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwNCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=0P3R23DW2Sgnw5QG2SplWSO-lBUZybcYFRjl-cBaMb0  [How to Know if You Qualify for SSDI](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/41ed70f9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjU3OGM0MTBiOTI4MTQzZTA4YmJiZCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL2hvdy1kb2VzLXNzZGktd29ya1wvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwNCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=E5FM2qqgyTqX0COVKNrd3Xwl09BHQiMNBKiE98jXSG0)  Applying for Social Security Disability Insurance is famously difficult. We’re breaking things down to make it easier to understand before you apply.          [Is Now a Good Time To Buy a House?](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/13e02837?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2YyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2hvbWUtYnV5aW5nXC9pcy1pdC1hLWdvb2QtdGltZS10by1idXktYS1ob3VzZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwNCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=ZY-MMFWEz09crsNcb40-NgNKr9MNkg4cHQ8QZPd2vF8)  At the end of the day, only you can decide if it is the right time to purchase a home. Regardless of the market or interest rates, you should ask yourself these four questions before you buy (or not).          [This Challenge is for People With $5K+ in Credit Card Debt](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/17cf3ba4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2ZCIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvMjEtZGF5LWRlYnQtY2hhbGxlbmdlLTItcHJ0XC8_YWZmX3N1YjQ9YSZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkbGluZXNfb25seV80X2FmZmlsaWF0ZV9vZmZlcnMifQ&jwtS=bj41Cc5H6cUpMUydywdq1u73UGnc1ntrbIDVxfr3uxI)  [Here’s Why Even 6-Figure Earners Live Paycheck-to-Paycheck](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/a1e37c27?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk2ZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvNi1maWd1cmUtcGF5Y2hlY2stdG8tcGF5Y2hlY2stcHJ0XC8_YWZmX3N1YjQ9YSZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzAxMDQmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMDEwNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIiwibGlua1ZhcmlhbnQiOiJoZWFkbGluZXNfb25seV80X2FmZmlsaWF0ZV9vZmZlcnMifQ&jwtS=n8BT0claRYrHAANhkYs3SmkftS2ITVaTnZAL0ZreNSA)  [Should You Leave More Than $1,500 in a Checking Account?](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/70db9766?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=bCbgpUuWUEFnw2s9L4Suxjq_Ta0urIdwSZHdAhelIpg)  [4 Things to Do With Your Money Once Your Salary Hits $70K](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/9b892acc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=jo6YGcI9eteU46-_AnQ7I8G1g5ObqENZXGlzCrLvw0E)          [Was this email forwarded to you? Subscribe Now.](63b497cb890588fe1c08d887:ot:631faf77229f6550ab06f0cf:1/9fa1c18c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2NzI4Mzc2NzksImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjYzYjQ5YTZlNWQyOGVlNDU2NjA3NDk3MSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMDEwNCZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMwMTA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=W6hS21pbAj9Fb2e2v7o9zNggI0zaJQddEUYfyL2juik)     © 2023 The Penny Hoarder. 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