Your HSA can help pay off old medical debt

Plus, 6 ways to build generational wealth ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/8f840eb5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQwYyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjYmYWZmX3N1YjQ9MDczMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyNiZ1dG1fY29udGVudD0wNzMyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=HFcT7OZVJ2AcYCcE3bGcp5FS6n6DZGuDXyScVc6qDrI)   [The Penny Hoarder together with Exxon Mobil](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/7b09fdda?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=4u54jP2zc-xIslQTDIY2lYUaXQS3I6tpgRCsXndMpuQ)     It's the end of the year, so it's time to make sure you spend your flexible spending account and lifestyle spending account funds. Luckily, your health savings account (HSA) doesn't play by the same "use it or lose it" rules, so any HSA funds you don't spend in 2023 should roll over into 2024. One thing you don't want to roll over into the new year is medical debt, so we prepared a guide for using your HSA to pay for medical bills, even the old ones. Plus, we'll tell you about [six ways you could be building generational wealth today](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/ff765d81?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=w2fkf1S-JfbMW1gcw-1EdeAyjpQ0jqvGNH-hM9JptwM).          658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/c0eb631b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=dBzLb9YL_HpAPFR7NPkxQR1jjaIUg0z51vJvKssmdIs  [How to Use an HSA to Pay Medical Bills — Even the Old Ones](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/a47512d1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=j_VlhQ7ylvatg6V-r9_9o4EG5h-YHttfOZsqt83XOUE)  Your health savings account is there to help you pay medical bills, but it's not always clear how to spend those funds. Our expert walks you through how HSAs work and how you can use them to pay your medical bills, even old ones.        [The Penny Hoarder together with Exxon Mobil](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/2c8bc2c3?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQxMSIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MTMxJmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjYmYWZmX3N1YjQ9MDczMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyNiZ1dG1fY29udGVudD0wNzMyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=E-SYSnQ1goXNlB36lP7zqud8EjeQMZFUj9QgKDQixds)  658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/d8f7882d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=uncAHuyod2b3plMXrU2hMLisQsGRpMRMceQTcZmXBTg  [This Card Earned Users Up to 12 Cents per Gallon Last Year](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/b716a4e5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQxMyIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MTMxJmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjYmYWZmX3N1YjQ9MDczMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyNiZ1dG1fY29udGVudD0wNzMyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=yIP-mHkGA3scZPHKD1xSDrIPwjBT9kTTdFOrj9iS_nk)  You’ve been asked to show your face more around the office, but you’re still not used to these extra expenses that come with being a regular commuter. 👎 If your budget needs a break, good news: [The Exxon Mobil Smart Card+™](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/e8e7a4ee?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=Juf7eGy7c1vrss_uA8Ay-Hcfs2FUGjx126xKlqb-muM) can earn you up to 42 cents per gallon* for the first two months after account open date. When you use the credit card to buy fuel at over 12,000 locations, it’ll knock off up to 12 cents per gallon on premium fuel,* or 10 cents per gallon* on other fuel grades, plus 5% back* on anything you buy inside the gas station store as a statement credit on the first $1,200 spent on non-fuel purchases per year. Right now, new cardholders earn an extra 30 cents per gallon* for the first two months as a statement credit — that’s up to 42 cents per gallon* on your premium buy. [Apply for the card here](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/e8e7a4ee?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQxNCIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03MTMxJmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyMzEyMjYmYWZmX3N1YjQ9MDczMiZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDIzMTIyNiZ1dG1fY29udGVudD0wNzMyJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=Juf7eGy7c1vrss_uA8Ay-Hcfs2FUGjx126xKlqb-muM) and you could start saving on your commute.  [Apply Now](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/6b2d619d?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=-9Ck5K85F6gYONWxHOYsQEqXmgPLgtQG7HkY9KY-duM)        [🏃 6 Fast Ways to Make Cash Today](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/7732a2c9?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=gVqt4RERPvjIFhGSQzYJeEKn6eNINB4F0ivUfTPkaUo)  All cash is good cash, but the best cash is fast cash. Did you catch all that? Better lace up — here are [six ways you can catch some fast cash today](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/daf66784?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=wD8_Q0fHF6pXCeZxmh60GeLD1VTuQfg2q6dKr6L3K1E).          [🚂 How to Build Generational Wealth — Even if You’re Not Rich](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/d7de16c8?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=ru-qUX_IPjSxwHCErLYS0J0IPQOKZqySjKaqIWDX6sk)  Generational wealth is not just for railroad tycoons — it's something we can all aspire to. Everyone wants to build a prosperous future and pass something on to their children. Whether it's cash, stocks or property, here are [a few money moves you can make today](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/ff765d81?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=w2fkf1S-JfbMW1gcw-1EdeAyjpQ0jqvGNH-hM9JptwM) to build a better tomorrow for future generations.    [Classic Dear Penny](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/b939b2ce?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODljNmQwMWI3YjFlOTkwZDAyZGIxYSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2hvbWUtYnV5aW5nXC9pLW93bi1mYW1pbHktcHJvcGVydHktZG8taS1oYXZlLXRvLXNoYXJlLXByb2ZpdHMtaWYtaS1zZWxsXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjI2JmFmZl9zdWI0PTA3MzImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjYmdXRtX2NvbnRlbnQ9MDczMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=-KD_HTkqpUXq_-QMJVJ8ICdCnDyy9nmgw94znsrYGhY)    [I Own Family Property. Do I Have to Share Profits if I Sell?](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/dc1db96a?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODljNmQwMWI3YjFlOTkwZDAyZGIxYiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL2hvbWUtYnV5aW5nXC9pLW93bi1mYW1pbHktcHJvcGVydHktZG8taS1oYXZlLXRvLXNoYXJlLXByb2ZpdHMtaWYtaS1zZWxsXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjI2JmFmZl9zdWI0PTA3MzImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjYmdXRtX2NvbnRlbnQ9MDczMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=F4sdr0Tm-hT9MIBrRi0pL5Suge3CkyfQam1drIJL98I)  Family and legal obligations don't always line up smoothly when it comes to selling family property. But as Dear Penny explains, unless the entire family is on the deed and paying the assessed taxes, that property might not be "family" property from a legal perspective. Whether the true, sole owner wants to share profits might come down to how awkward they want the next reunion to be.          [5 Ways to Break Out of the Middle Class in 2024](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/b601524b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=QZ17b7YwmOiLgX5CZCzi78q4mVM_d4TZj9NV5PTg2cs)  The middle class can feel like a jail everyone's trying to break into. It's supposed to be the American Dream to join the middle class, but once you're in, you can feel trapped, like you’re just getting by. If you’re [feeling stuck in the middle class](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/dc998b46?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=cBCOfUaSgsX6KNVa78P55rB_WttLjnOpwEWE_FXRIK4), here are five actionable strategies to break out in the new year.          [Penny-Pinching for Pet Owners: Save With DIY Cat Toys and Treats](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/5623ba1e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODljNmQwMWI3YjFlOTkwZDAyZGIxZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2RpeS1jYXQtdG95cy1hbmQtdHJlYXRzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjI2JmFmZl9zdWI0PTA3MzImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjYmdXRtX2NvbnRlbnQ9MDczMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=aXdA3BsJkLvDtjQ5uvX5bu3Ki4EvPmzYFhwrEPrU1sg)  Pet products like cat toys and treats have become big business. Commercials for pet food and toys run as frequently as commercials for Amazon and McDonald's. We live in an era where [pet insurance is a thing](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/5802e03e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=t_ebh7R0CJSSw7fQ5AFOjaYRpALcuqgFM1LmZMtPe9c). If you succumb to the marketing, you can end up spending a fortune on your feline friends. Not that they don't deserve to be spoiled, but here are some ways to do it without draining your kitty (pun absolutely intended — meow!).          [Was this email forwarded to you? Subscribe Now.](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/ce147146?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQxNyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDIzMTIyNiZhZmZfc3ViND0wNzMyJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjMxMjI2JnV0bV9jb250ZW50PTA3MzImY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=SNHXN1reL6KM8ar8GBtG-6efBVJbUKSHb5lAhi7_rhc)     * Subject to credit approval. The up to 42¢ per gallon discount applies for the first 2 months after account open date and is comprised of the ongoing fuel savings of 12¢ per gallon on Synergy Supreme+™ premium gasoline or 10¢ per gallon on other Synergy™ fuel grades, which will be received as a reduced fuel price at the point of sale, plus a 30¢ per gallon bonus discount applied as a statement credit. Offer valid at participating Exxon and Mobil stations. In the event discounts at the point of sale are unavailable for any reason, you will receive the earned discounts as a statement credit. You can earn 5% back in statement credit rebates on your first $1,200 in Exxon and Mobil non-fuel purchases made each year with your card at Exxon and Mobil locations. Qualifying in-store purchases exclude lottery tickets, money orders and gift cards. Exxon Mobil Rewards+™ points will not be earned on purchases made with the Exxon Mobil Smart Card+™ credit card. Terms & Conditions of the Exxon Mobil Smart Card+ Program apply.     Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. Learn more about [how we make money and select our advertising partners](658356d18ed0b1744101d6d2:ot:631faf77229f6550ab06f0cf:1/df6aab4e?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDM1OTM5NjgsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1ODQ1NTE3NGM5NGY5NGU1YzBlYzQxOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjMxMjI2JmFmZl9zdWI0PTA3MzImYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyMzEyMjYmdXRtX2NvbnRlbnQ9MDczMiZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=dcnq5ASFm3Im-4-gW4hYaL4K0PcLCVZTpA1pWrh-UEI).     © 2023 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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