One bubble 🫧 we want to burst

Plus, put more money in your pocket with Pepper Rewards ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  ͏ ‌  [Daily](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/f8236aab?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFkNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cLz9hZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAyMDgmYWZmX3N1YjQ9MDgyMCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDIwOCZ1dG1fY29udGVudD0wODIwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=5Zy8ISN_zSPRCQRkyQp8UwPdJClpdYFZLZB764ws_YU)   [The Penny Hoarder together with Pepper](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/0e4459c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=bsDLgZTVJPBom-EJaxgcsFnxYu6rH9_xiEpqpimU5vM)     While inflation has slowed, the bubble hasn't entirely burst yet. Rent and prices on common household items remain high. But inflation isn't hitting all people equally — younger, less affluent Penny Hoarders seem to be feeling it more than previous generations. We'll talk more about current inflation trends and what we can do to fight them in our lead article. One way anyone can combat inflation is to maximize your rewards and perks when you shop. That's where today's sponsor, Pepper, can help. Pepper is a mobile payment and rewards app with [a mission to help shoppers save more money](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/a41d3316?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFkNiIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03NDE2JmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAyMDgmYWZmX3N1YjQ9MDgyMCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDIwOCZ1dG1fY29udGVudD0wODIwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=rxQ__354_m2qgkhbWJ7bc3PNuEnkCYD5oPgb3NUsgno) than any other rewards app on the market. We'll tell you all about it below.          65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/af5031fd?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=QkmS4xxN7xE0FcOLMCePatd3-wnwJow_5xFSnjEnb7Q  [Inflation Is Hitting Millennials the Hardest](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/105e016f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFkOCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2ZpZ2h0LXByaWNlLWluZmxhdGlvblwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDIwOCZhZmZfc3ViND0wODIwJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMjA4JnV0bV9jb250ZW50PTA4MjAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=Wuw3B7mpEaDpVAWJsJjAsS7Nda79cNdyZiBTdd5QNzQ)  Millennials seem to be feeling the pinch of inflation harder than other generations. Stubbornly high prices for essential items like rent and food are making it tougher to afford everyday costs, let alone putting money aside for saving and investing. Here are ways we can all poke holes in the hot-air balloon of inflation and bring some monthly expenses back down to earth.          [The Penny Hoarder together with Pepper](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/0e4459c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=bsDLgZTVJPBom-EJaxgcsFnxYu6rH9_xiEpqpimU5vM)     [Double-Dip Your Rewards With This App and Your Rewards Card of Choice](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/1395697c?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=C3cbCu4S48aeWkBowikIqXDnCbdoEa8-tIJ8wgz0ePQ)  We all want some recognition for our hard work. But wouldn’t it be nice to get rewarded for the easy things, too? A free app called [Pepper Rewards](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/81102dcf?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFkNiIsImxpbmtVcmwiOiJodHRwczpcL1wvdC50aGVwZW5ueWhvYXJkZXIuY29tXC9hZmZfYz9vZmZlcl9pZD03NDE2JmFmZl9pZD04NiZhZmZfaWQ9ODYmYWZmX3N1YjM9MjAyNDAyMDgmYWZmX3N1YjQ9MDgyMCZhZmZfdW5pcXVlMT02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YmdXRtX21lZGl1bT1lbWFpbCZ1dG1fc291cmNlPWRhaWx5JnV0bV9jYW1wYWlnbj0yMDI0MDIwOCZ1dG1fY29udGVudD0wODIwJmNpZD02MzFmYWY3NzIyOWY2NTUwYWIwNmYwY2YifQ&jwtS=rxQ__354_m2qgkhbWJ7bc3PNuEnkCYD5oPgb3NUsgno) earns you up to 5% cashback and rewards points instantly when you pay with Pepper at checkout. Once you create an account, you can start earning up to 5% cashback and rewards points at over 175,000 accepted locations! Places like Amazon, Target, CVS, TJ Maxx, Sephora, Nike, multiple grocery stores, and more! The average user saves about $628 a year with Pepper. And if the card you link to Pepper has its own cashback offer, you can double-dip and save even more money. And right now, you can bank even more with these additional perks before they expire:     - Pepper Welcome Offer - Get 10% cashback for the first 30 days (Expires EOD 2/15) - DoorDash Super Bowl Offer - Get 15% off purchases (Feb. 9th - 11th) - Landry’s Super Bowl Offer - Spend $50 to get $5 off instantly (Feb. 9th - 15th) - Domino’s Super Bowl Offer - New Users get $7.50 in Domino's cash when they spend $25+, Returning Users receive $5 when they spend $20+ (Feb. 9th - 11th) - Ulta Beauty Valentine’s Day Offer - Spend $50 to get $5 off (Feb. 9th - 15th)     65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/cccc1db1?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=FD5KtdlvJ9u_xmyQln0wTZZYHMyXNWn1MkPKavfGxUY  There are no fees. No waiting period. And no receipt scanning to earn your rewards (unlike similar apps). Whenever you’re ready to cash out, you can simply turn your reward points into cash. It’s easy. Just open the app, tap the store you’re shopping in, enter the total, tap purchase, and tell the cashier “Today I am paying with a gift card” and allow them to scan the QR code on your phone screen. If you’re shopping online, simply enter the gift card code at the relevant gift card redemption section of the checkout page and hit enter, that’s it! Ready to make money whenever you spend money? Just [download the Pepper Rewards app](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/1e3d9af5?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=rxQ__354_m2qgkhbWJ7bc3PNuEnkCYD5oPgb3NUsgno) and create a free account. Right now, you can earn up to 10% cashback on the first 30 days of purchases with their welcome offer. Plus Pepper has a referral program that can earn you $20 for each friend you refer. The best part, the referrals are unlimited!  [Earn and Save with Pepper](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/5a20a4c7?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=eqO4M8YBO1nsK8InWxNpDWJ_oDorgVB_l9BEc_kiT28)          [🦥 Hacks For Lazy Investors](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/79f39dae?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=gpwyLYl5IblGA602qlz7v4A8RB1-lsGQFxYswVh70D0)  Buckle up and get ready for more dealing with less wheeling! And by "buckle up," we mean find a cozy spot on your couch. No longer will the laziest among us have to choose between earning and chilling — now you can do both at once. With these [five tips for slothful investors](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/ca7e59c2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=v1F5f9I6c8_8tbyIFmmT37BV0aLrp5thvETUJObJHUA), you can ease into some easy cash.    [Should I Retire, Even if My Wife Is Vehemently Opposed?](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/4e505e9b?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFkZSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3JldGlyZW1lbnRcL3Nob3VsZC1pLXJldGlyZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDIwOCZhZmZfc3ViND0wODIwJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMjA4JnV0bV9jb250ZW50PTA4MjAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=SFPGOJmVeFPAoAzOLm9ICJKUCzW6-olDM4SpEGZJw6M)    [Should I Retire, Even if My Wife Is Vehemently Opposed?](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/cc47009f?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=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&jwtS=6rqdi2SiL_GrBf311Jj3wGpNRPJb6ZzOphPHR3GNwiY)  In this episode of Dear Penny, our advice-seeker is in the unique position of being able to retire comfortably at a young age. Seems like an easy decision, right? Not when you have a spouse to consider.          [⏳ Need To Make Extra Cash Before Rent Is Due?](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/fe78c0d4?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFlMCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBhcnRuZXJzLnRoZXBlbm55aG9hcmRlci5jb21cL2JlZm9yZS1yZW50LWlzLWR1ZS1zZHluXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMjA4JmFmZl9zdWI0PTA4MjAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAyMDgmdXRtX2NvbnRlbnQ9MDgyMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=myI8ZXeMF_VOMacN4CTDGNGO-oTA4obW1gjOki2cT7o)  The end of the month may be a couple of weeks away, but if you think you might be short on rent, [the time to act is now](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/8d10e2fc?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFlMSIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnBhcnRuZXJzLnRoZXBlbm55aG9hcmRlci5jb21cL2JlZm9yZS1yZW50LWlzLWR1ZS1zZHluXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMjA4JmFmZl9zdWI0PTA4MjAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAyMDgmdXRtX2NvbnRlbnQ9MDgyMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=h_gsYY9hHC8c3eln4DSkRjAwk5VErNaB_plA1jqZel8). We found a few ways to cut costs and add extra cash to help you make ends meet. These tips range from saving on essential items like groceries to earning money online for completing simple tasks.          [10 Easy and Cheap Super Bowl Snacks to Please Any Crowd](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/26dae330?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFlMiIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3NhdmUtbW9uZXlcL2NoZWFwLXN1cGVyLWJvd2wtc25hY2tzXC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMjA4JmFmZl9zdWI0PTA4MjAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAyMDgmdXRtX2NvbnRlbnQ9MDgyMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=ox-drGR_JrwAc2QJBtWixhejeAKjpf0RvlDML2hYTPA)  The National Retail Federation estimates that American households will spend roughly $86 on Super Bowl parties, including food and decorations. Nationwide, that adds up to $17.3 billion! If you want to keep your Super Bowl spending in check, we've got a first down's worth of snacks that are cheap and easy but won't disappoint your guests.          [Was this email forwarded to you? Subscribe Now.](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/0afced09?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFlMyIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3N1YnNjcmliZVwvP2FmZl9pZD04NiZhZmZfc3ViMz0yMDI0MDIwOCZhZmZfc3ViND0wODIwJmFmZl91bmlxdWUxPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiZ1dG1fbWVkaXVtPWVtYWlsJnV0bV9zb3VyY2U9ZGFpbHkmdXRtX2NhbXBhaWduPTIwMjQwMjA4JnV0bV9jb250ZW50PTA4MjAmY2lkPTYzMWZhZjc3MjI5ZjY1NTBhYjA2ZjBjZiJ9&jwtS=2TBGDLa6pdB_p4pT9AN2NER1eJAlMSsd6s3xgzeUoS0)     Some of the links in this email are from our sponsors. We provide you with accurate, reliable information. [Learn more](65c39e2f960e24e29b07b19a:ot:631faf77229f6550ab06f0cf:1/3f72fee2?jwtH=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9&jwtP=eyJpYXQiOjE3MDczOTg0MTIsImNkIjoiLm5ld3NsZXR0ZXJzLnRoZXBlbm55aG9hcmRlci5jb20iLCJjZSI6ODY0MDAsInRrIjoidGhlX3Blbm55X2hvYXJkZXIiLCJtdGxJRCI6IjY1YzNlOWYwMjEyYmE4Nzg4NzA2ZjFlNCIsImxpbmtVcmwiOiJodHRwczpcL1wvd3d3LnRoZXBlbm55aG9hcmRlci5jb21cL3RydXN0XC8_YWZmX2lkPTg2JmFmZl9zdWIzPTIwMjQwMjA4JmFmZl9zdWI0PTA4MjAmYWZmX3VuaXF1ZTE9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmJnV0bV9tZWRpdW09ZW1haWwmdXRtX3NvdXJjZT1kYWlseSZ1dG1fY2FtcGFpZ249MjAyNDAyMDgmdXRtX2NvbnRlbnQ9MDgyMCZjaWQ9NjMxZmFmNzcyMjlmNjU1MGFiMDZmMGNmIn0&jwtS=t-OE3s5VCe4a0QIljzyNLVWPO8eoTCTQtmpC__-hVs4) about how we make money and select our advertising partners.     © 2024 The Penny Hoarder. All rights reserved. 490 1st Ave S. 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