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            "text": "Tip Sheet: Understanding Personal\nFinance: Budgeting, Saving, &\nCredit",
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            "text": "Financial literacy is a key to long-term financial stability, especially in today's fast-paced economy. Whether you're working a full-time job, balancing side gigs, or raising a family; understanding how to budget, save, and manage credit can transform your financial future."
        },
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            "text": "1. The importance of Budgeting",
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            "text": "A budget is a financial roadmap - it helps you take control of your money, reduce financial stress, and plan for future goals. Without a clear budget, it is easy to overspend or lose track of where your money goes."
        },
        {
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            "text": "How to create a budget:"
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                {
                    "id": "p1.7.1",
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                    "text": "Start by listing all of your sources of income (paychecks, side hustles, and any government benefits).",
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                {
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                    "text": "Break down your expenses by type:",
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            "text": "o Fixed: Rent, car payments, insurance"
        },
        {
            "id": "p1.9",
            "order": 11,
            "type": "text",
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            "text": "o Variable: Groceries, utilities, entertainment"
        },
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            "type": "list",
            "bbox": {
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            "children": [
                {
                    "id": "p1.10.1",
                    "order": 13,
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                        "l": 47.04,
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                    "text": "Use the 50/30/20 rule to budget your income:",
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                {
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                    "bbox": {
                        "l": 65.52,
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                    "text": "50% for needs (housing, food, utilities)",
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                },
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                    "bbox": {
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                    "text": "30% for wants (entertainment, travel)",
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            ]
        },
        {
            "id": "p1.11",
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            },
            "text": "。20% for saving and debt repayment\nIn cities like Louisville and Lexington, where housing and transportation can be expensive, aim for the following based on your income:"
        },
        {
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            "bbox": {
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            "children": [
                {
                    "id": "p1.12.1",
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                    "bbox": {
                        "l": 46.56,
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                    "text": "Keep housing cost under 30%",
                    "marker": "•"
                },
                {
                    "id": "p1.12.2",
                    "order": 19,
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                    "bbox": {
                        "l": 46.32,
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                    },
                    "text": "Limit transportation to around 15%",
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                },
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                    "order": 20,
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                    "bbox": {
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                    },
                    "text": "Prioritize savings to 10% monthly",
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            ]
        },
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        {
            "id": "p1.14",
            "order": 22,
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            "text": "2. Saving for Your Future",
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            "text": "Saving money is essential to financial security. Whether you're planning for emergencies, buying a home, or preparing for retirement, building a habit of saving ensures you are prepared for the unexpected and for those long-term goals."
        },
        {
            "id": "p1.16",
            "order": 24,
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            "text": "Start with an emergency fund:"
        },
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            "order": 25,
            "type": "list",
            "bbox": {
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            "children": [
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                    "id": "p1.17.1",
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                    "bbox": {
                        "l": 332.16,
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                    "text": "An emergency fund is your financial cushion. Aim to save 3 to 6 months of basic living expenses.",
                    "marker": "-"
                },
                {
                    "id": "p1.17.2",
                    "order": 27,
                    "type": "list_item",
                    "bbox": {
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                    "text": "Keep this money in a separate, easily accessible savings account, not in your regular checking account where it might be easy to spend it.",
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            ]
        },
        {
            "id": "p1.18",
            "order": 28,
            "type": "heading",
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            "text": "Practical saving tips:",
            "level": 3
        },
        {
            "id": "p1.19",
            "order": 29,
            "type": "title",
            "bbox": {
                "l": 331.68,
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            "text": "- Set up automatic transfers to your savings account each payday.",
            "level": 2
        },
        {
            "id": "p1.20",
            "order": 30,
            "type": "text",
            "bbox": {
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            "text": "- Open a high-yield savings account with a credit union or online bank to earn better interest rates."
        },
        {
            "id": "p1.21",
            "order": 31,
            "type": "footer",
            "bbox": {
                "l": 189.6,
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                "r": 429.12,
                "b": 26.88
            },
            "text": "This institution is an equal opportunity provider.",
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            }
        }
    ],
    "excluded_furniture": {
        "first": [],
        "last": []
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