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Rain lashed against the department store windows as I traced my finger over a cashmere coat's impossibly soft lapel. That familiar ache bloomed in my chest when I flipped the price tag - £1,200. For three years, this ritual repeated: touch luxury fabrics, crave belonging, then retreat empty-handed. My reflection in the dressing room mirror always showed the same defeated slump. Luxury felt like a private members' club where I'd forever be pressing my nose against the glass.

Rain lashed against my Brooklyn apartment window as I stared at my bank balance - $37.42 until payday. That familiar knot tightened in my stomach when I remembered my abandoned investment account. Robinhood's $500 minimum might as well have been a million. Acorns made me feel like a criminal every time it siphoned $1.50 "round-ups" that never seemed to materialize into anything real. I threw my phone onto the couch, its glow accusing me of financial failure in the dark room.

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