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Rain lashed against the hospital windows as I frantically thumbed through my phone’s notification graveyard. Between my mother’s emergency surgery updates and ambulance coordination texts, I’d missed three payment deadlines. That sickening drop in my stomach wasn’t just caffeine overload—it was the realization that my electricity could get cut off mid-recovery. Paper reminders? Buried under medical paperwork. Calendar alerts? Drowned in panic. My financial life felt like a Jenga tower during an

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