In my defence, I didn’t get into financial trouble immediately after finishing my master’s degree in economics. It took months. I had a decently paid graduate job and was living within my means, so how did it happen?
Simple: I had “cleverly” put all my savings in a 90-day notice account to maximise the interest I earned. When I was surprised by my first tax bill, I had no way of meeting the payment deadline. Oops.
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