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Excuses. Awful, no good excuses. Every time a new picture would pop up, more excuses. Then another, followed by another excuse. The embarrassment was felt to me and me alone, and perhaps that made it better and worse.

Next week, we observe Independence Day, an opportunity to celebrate all the liberties we enjoy in this country. Of course, there are different types of freedoms – such as financial freedom, which can open the doors to many other opportunities. What steps can you take to gain your financial independence?