multi currency budget 2025-11-07T06:44:07Z

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The 7:15 express to Frankfurt felt like a steel coffin that morning. I’d just spotted the empty seat where my laptop bag should’ve been—left steaming on my kitchen counter during the pre-dawn chaos. Sweat prickled my collar as the conductor’s whistle screeched; my biggest investor pitch deck was due in 90 minutes, trapped inside that forgotten machine. Every jolt of the train hammered the dread deeper. Then it hit me: last night’s desperate 2 a.m. email to myself. With shaking thumbs, I stabbed

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