- Thepayoffscouldbehuge.Weaskedheraboutoptimism'sprinciplesandpayoffs.Theseexercisesrequireminoreffortsbutoffermajorpayoffs.Psychologically,usingadebtsnowballoffersbigpayoffs,payoffsthatcanspuryoutofurtherdebtreduction.Thepayoffsforexchangeandassistan...
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