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I watch now as my children are just starting out in life. DD works at a small start-up that's been around for about 15 years, and her boss thinks she's silly because she does not have a smartphone. DD says it is not in the budget, and the boss poo-poos the idea of even having a budget. And when DD says that she can't do some particular thing because it is not in her budget, he again thinks it is silly to have a budget.

You done good, Mom.

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