The Debt-Based Lifestyle and How to Fix It
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Five: chapter three, The Debt-Based Lifestyle, four to six minutes. Explain credit cards, BNPL,
installment plans. Show how debt converts future income into present lifestyle. Include a simple
numeric example of interest costs over time. Six: chapter four, Why The Lifestyle
Feels Safe, three to five minutes. Social proof, bank approvals, cultural validation.
Explain psychological safety versus financial progress. Seven: chapter five, A Quiet Way to Fix
It, six to eight minutes. Practical incremental steps. Slow lifestyle growth,
margin, 30/60/90 day actions, one asset to start, redirecting a fixed percentage of income.
Provide exact micro-actionss. What to stop buying, what to automate.
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