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You’re not going mad. Since the year 2000 👉 Living costs are up around 261% 👉 Salaries are only up around 114% Milk, petrol, power, insurance, school fees, everything has exploded. Wages haven’t kept up. So if it feels harder to get ahead, even though you’re earning more than you used to, that’s because it is harder. That’s exactly why your biggest debt matters more than ever. Your home loan is usually your largest expense. If it’s not at the lowest possible rate If it’s not set up with the ri
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