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@Frank's Art

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Why is that a problem? Because the moment they need extra cash, they transfer it back immediately. And once you start dipping into savings, it becomes way too easy to keep doing it. The fix? Put your savings in a separate bank that’s annoying to access. Choose an online bank with no debit card. Pick a bank that takes 2-3 days to transfer money back. The idea is to Make it slightly inconvenient so you don’t touch it unless it’s a real emergency.