Welcome to “Sleep Well at Night Finances,” a series of Tuesday essays about exactly that - simplifying your money. This is a paid subscriber-only essay. If you want in on the fun, subscribe here with a 7-day trial, free e-book, essays, and weekly waste-reducing recipes all for $5 a month / $50 a year. That’s just $0.32 - $0.38 per essay (and it could save you a damn sight more than that)

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