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Where is the money really going? we cant use the credit card to be in denial and kick the can down the road and deal with it later. you will create problems instead of cutting budgets, these are problems you will live with for five or ten years, dont do that. if you lean in and make hard choices and cut up subscr subscriptions, things we all have. brian: have a conversation with your family. just say its been a tough year, weve had to change holidays for two years, heres the difference this year...