A W-2 tells you what you earned. It does not tell you where it went. Those are different documents and only one of them exists.

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You know the monthly payment. You do not know the total cost. Those are two different numbers and only one of them tells the truth.

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Paying the minimum on every card is not progress. It is the most expensive version of standing still.

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Escrow accounts collect money for taxes and insurance without telling you the total is rising. The payment goes up. The explanation is buried.

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