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Build 4 financial habits. Plug the holes in your financial lifeboat. Turn your boat around. Have you ever felt like you and your entire financial life are drifting in a lifeboat-with holes in it? Have you ever felt like your bad financial habits put some of the holes there? Meet Charlie and Emily. Their debt is rising faster than they can bail, and there's no shore in sight. Can a new set of financial habits really change everything?