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#gibahberfaedah Chapters 00:00 Intro 00:28 Money Hoarding 04:50 Financial Enabling 08:10 Doom Spending 12:40 Lifestyle Creep ????Business inquiries: CP: 087875213242 (Ryan) ——————————————————————— Let's Learn and Grow together with me, check it out!!! Instagram Theo Derick: / theoderick_ Tiktok: / theoderick_ Instagram Billy Tanhadi: / billytanhadi Tiktok: / billytanhadi_