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I'll do it for free.
Send her to me.
Seriously, I have done this many, many times and helped a lot of people not crater financially; Others, not so much when they spit the bit.
If I can't make it work, her problem. Worth a shot since I will have zero skin in the game other than what is true in the real world of personal finance.
Your call.
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1996 FJ80.
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