Pension Fund 2025-11-09T16:33:20Z

I remember the exact moment I almost threw my laptop across the room. It was a Tuesday afternoon, and I had double-booked two clients for the same time slot—again. As a freelance fitness trainer, my entire business relied on precision timing, but my manual scheduling system was failing me spectacularly. Post-it notes covered my desk, each one a desperate attempt to keep track of appointments, but they’d flutter away like confetti every time the fan whirred to life. My phone buzzed incessantly wi

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Rain lashed against the coffee shop window as I stared at my third overdraft alert that month, trembling fingers gripping a lukewarm latte I couldn't afford. My phone buzzed again—$35 fee for insufficient funds. That moment crystallized my financial rock bottom: a freelance designer drowning in feast-or-famine cycles, begging clients for early payments just to cover rent. My spreadsheet "system" was a graveyard of abandoned tabs, each color-coded failure mocking my denial. Salvation came from a

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