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Rain lashed against the Bangkok skytrain window as I fumbled with crumpled fund statements, my latte turning cold. Another business trip, another financial mess. Last quarter's dividend notice from Franklin Templeton was buried under Grab receipts, while my HDFC SIP payment bounced because I'd forgotten the date amid jetlag haze. That sinking feeling hit—financial chaos wasn't just inconvenient; it felt like drowning in paperwork while sharks circled.

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The glow of my laptop screen felt like an interrogation lamp that Tuesday evening. I was hunched over our dining table, surrounded by wrinkled bank statements and a calculator smudged with nervous fingerprints. My daughter's college acceptance letter lay beside them - a proud moment now shadowed by cold financial reality. Those "safe" certificates of deposit I'd meticulously funded for years suddenly seemed like abstract numbers on paper, completely disconnected from the $42,000 tuition bill sta

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