Sum It Up: Dad's retirement dilemma + tips on scoring free loot

Plus, surprising ways aluminum foil can save you money ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Sum It Up](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/af31cbf3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODgmYWZmX3N1YjM9MjAyMzEwMjEmYWZmX3N1YjQ9MDYwNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPXN1bWl0dXAmdXRtX2NhbXBhaWduPTIwMjMxMDIxJnV0bV9jb250ZW50PTA2MDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=xX31hybxWg1saXLeFq95hGtcKHLydr8FcHOIF1OjIrs)   6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/f07ed371?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjMSIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MzE0JmFmZl9pZD04OCJ9&jwtS=1-ngYFHSIqnD-YBqp-3-TcLU9_r3MxwJsVcFwlxAzWU     We love free stuff. You love free stuff. But not all free stuff is worth loving. After extensive research, our professional freebie-ologists have assembled [this list of quality freebies for you](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/aeee5e24?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=wZxJ7KpFTigoorxd5wGdlPBikjWR9wx2PmVce4gt6YQ). Only the finest freebies are allowed on this list. (Which also happens to be free.) And speaking of things that cost zero dollars, we want to tell you about [a rewards credit card that’s top-tier in its class](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/67785914?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=f7O-ZqwQ-fG0fumB_HO1dQl0xmB2UJuyhStQVQgKPZA) and offers a $0 annual fee. In this newsletter, we also share how to get free stuff from Amazon, plus all the most popular articles of the week.     6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/b79614d8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9nZXQtZnJlZS1zdHVmZi1vbi1hbWF6b25cLz9hZmZfaWQ9ODgmYWZmX3N1YjM9MjAyMzEwMjEmYWZmX3N1YjQ9MDYwNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPXN1bWl0dXAmdXRtX2NhbXBhaWduPTIwMjMxMDIxJnV0bV9jb250ZW50PTA2MDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=cl1qyFOkRnJw5NjqzHMQI-lkRm6Pq-9UxAngN-JFFl0  [11 Ways to Score Free Stuff on Amazon](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/efae791e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL21ha2UtbW9uZXlcL3F1aWNrLW1vbmV5XC9nZXQtZnJlZS1zdHVmZi1vbi1hbWF6b25cLz9hZmZfaWQ9ODgmYWZmX3N1YjM9MjAyMzEwMjEmYWZmX3N1YjQ9MDYwNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPXN1bWl0dXAmdXRtX2NhbXBhaWduPTIwMjMxMDIxJnV0bV9jb250ZW50PTA2MDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=DRJwTG4V_t5xwwJAdFXIu-hIRMLIYTDKJzEQf2k4Ls4)  OK, we really like free stuff, but not included in our freebies list above is Amazon. While it's pretty easy to find a good deal on Amazon, it takes some insider knowledge to find the free stuff. Like very bad magicians, we will reveal the secrets behind our tricks so you, too, can score Amazon freebies.          6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/f07ed371?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjMSIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MzE0JmFmZl9pZD04OCJ9&jwtS=1-ngYFHSIqnD-YBqp-3-TcLU9_r3MxwJsVcFwlxAzWU     [The Rewards Card Experts Are Raving About](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/ccf3a57f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=UnnNhc41eBzS9kmldgF_pwcLyiMa3J1tH9omb-gVAxo)  You might be on the hunt for a rewards card that actually offers more. But with countless choices out there, it can feel overwhelming. It’s not like you want to spend every waking hour comparing card bonuses and rewards. But guess what? There are people doing that. And the question is: Which card are they picking? Introducing [the card that’s top-tier in its class](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/a2f3a55a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=f7O-ZqwQ-fG0fumB_HO1dQl0xmB2UJuyhStQVQgKPZA): Not only has this card received rave reviews, but even those in-the-know about credit cards are grabbing one for themselves. With 0% interest for 15 months and a $200 sign-up bonus, it’s a no-brainer. Here's a glimpse at what this card offers: — A generous $200 Cash Back bonus (after spending only $500 within 3 months) — 0% intro APR on both purchases and balance transfers for 15 months — $0 annual fee Basically, here’s a card that even the experts are vouching for. Ready to elevate your credit game? [Apply today](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/a2f3a55a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=f7O-ZqwQ-fG0fumB_HO1dQl0xmB2UJuyhStQVQgKPZA), and once you're onboard, kickstart your journey towards that easy $200 Cash Back bonus.     [Apply Today](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/cfb153bf?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=jmGBQHli1hPbKvB3ZwcB9AoElns8E3y09rpGS5PIq3A)          6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/f5f9a62a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=7Qh4ecNSjdOEASpIX2H7arkkwWrCUvjGKTFEoBRm3QQ  [50 Ways to Make Extra Money This Month](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/7dbb33a9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=HrxKvbT4xKP6w1ghk7H-Q6fpCZmA8gAxvPY20yWfFqc)  Consolidate your debt, Chet. Cut your TV bill, Jill. Give your honest customer feedback, Mac. There must be [50 ways to make some extra cash this month](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/09777227?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=VS1dRXL4IXJA_yb-7GNW171UOpI4EkLCzSjRZWTC5xo), and we've listed them all.     6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/4b55ba78?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=GubkuxviVPkD3A8H7ua9MOaOn_XXHOAq9mBy_YX3G78  [How to Save on Postage Even When Stamp Prices Are Going Up](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/f96ae707?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL3doZXJlLXRvLWJ1eS1zdGFtcHNcLz9hZmZfaWQ9ODgmYWZmX3N1YjM9MjAyMzEwMjEmYWZmX3N1YjQ9MDYwNCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPXN1bWl0dXAmdXRtX2NhbXBhaWduPTIwMjMxMDIxJnV0bV9jb250ZW50PTA2MDQmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=DTkEW7crq9GRobQDtq2JGAjnbDZOUw26BFbPtFSK3C4)  The Postal Service announced the price of First-Class Mail Forever stamps will increase by 2 cents next year. Here's how to reclaim those pennies and save on postage even while prices are going up.     6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/739796bb?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=sThnDQzaMXwFk3PGiIxl4zwCJ8krlNHPzqRq9FIZn1c  [7 Resources for When Money Is Tight](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/28ac959c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FjZSIsImxpbmtVcmwiOiJodHRwczpcL1wvcGFydG5lcnMudGhlcGVubnlob2FyZGVyLmNvbVwvd2hlbi1tb25leS1pcy10aWdodC1zZHluLXBydFwvP2FmZl9pZD04OCZhZmZfc3ViMz0yMDIzMTAyMSZhZmZfc3ViND0wNjA0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9c3VtaXR1cCZ1dG1fY2FtcGFpZ249MjAyMzEwMjEmdXRtX2NvbnRlbnQ9MDYwNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=QKpUG11OM7D5SHyE0ii83cCZgPSOLJoHOuBrHAtkEeU)  When money is tight, everything feels tight — timelines, attitudes, even collars. Here are [a few tried-and-true money-making resources](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/3efa3538?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=fzmqBB_PgDZfMo2e-nEDHsJZFLyMIFqFbGhmuw7dwCQ) you can use to start feeling more relaxed about your finances. Some might even say so you can start feeling free again.     6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/03b2aeca?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FkMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2RlYnRcL2RhZC1zYXlzLWktb3dlLTQwMC1hLW1vbnRoXC8_YWZmX2lkPTg4JmFmZl9zdWIzPTIwMjMxMDIxJmFmZl9zdWI0PTA2MDQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1zdW1pdHVwJnV0bV9jYW1wYWlnbj0yMDIzMTAyMSZ1dG1fY29udGVudD0wNjA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=8O0Hx7UKi8UDZl-mL4dT3xQe1kTaU8SQ060z6uW_os4  [Dear Penny: My Dad Says I Owe Him $400/Month When He Retires](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/a6982b71?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FkMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2RlYnRcL2RhZC1zYXlzLWktb3dlLTQwMC1hLW1vbnRoXC8_YWZmX2lkPTg4JmFmZl9zdWIzPTIwMjMxMDIxJmFmZl9zdWI0PTA2MDQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1zdW1pdHVwJnV0bV9jYW1wYWlnbj0yMDIzMTAyMSZ1dG1fY29udGVudD0wNjA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=UPWO37oEwvYfBBSDV8Uo8t43rzRIsHc7dYz_6vIg_3Q)  It’s not your fault that your parents can’t afford to retire. Responsibility for that rests on your parents’ shoulders. But that doesn't make this conversation easy.          [We Don't Want to Spend Money on These Things Anymore](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/900b76f0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=eN0E8i5MInGSEhxUGtHl7v1oVAoP3z_xbQ-spRv00go)  We're [fed up with overpaying for these things](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/4de386bd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=8e4img2m4RefzuYwklx4ZUVa4hTLgpAJN17HbMV8fsU): online shopping, internet service, credit card interest and groceries. Sound familiar? Here's what you can do about it.     [Social Security Benefits Will Increase by 3.2% in 2024](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/153e0ad0?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FkNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL2Vhcmx5LWxvb2stc29jaWFsLXNlY3VyaXR5LWluY3JlYXNlXC8_YWZmX2lkPTg4JmFmZl9zdWIzPTIwMjMxMDIxJmFmZl9zdWI0PTA2MDQmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1zdW1pdHVwJnV0bV9jYW1wYWlnbj0yMDIzMTAyMSZ1dG1fY29udGVudD0wNjA0JmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Wffcw2od6o-1ElYnLPC1iLiJOVljrSR1rvcH1RZRQSk)  But how will that impact your check? We explain the new rates and tell you how to find out exactly how much more you'll receive in 2024.          [Was this email forwarded to you? Subscribe Now. It's free!](6532b5247634db1e9801afdd:ot:631faf77229f6550ab06f0cf:1/33af2347?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE2OTc4ODI2NTcsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1MzJiOWVmY2YwODlmZjFlOTBmM2FkNSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04OCZhZmZfc3ViMz0yMDIzMTAyMSZhZmZfc3ViND0wNjA0JmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9c3VtaXR1cCZ1dG1fY2FtcGFpZ249MjAyMzEwMjEmdXRtX2NvbnRlbnQ9MDYwNCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=VSSI7usBH9JQ4QP1deEP4HfLSv55aSvgeZ5J5fjn9kk)     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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