In fact, we're pretty close to 0.
BUT, and it's a big one, I feel like my new mindset is going to make things go much faster this time around! I have no time to waste! I have no interest in shiny things (unless it's silver!lol!) that used to distract me.
Going through tough times has made me fierce! haha, ok, maybe not that much, but definitely tougher than I was before.
All that to say, if you're in tough times now, there's hope ahead.

mindset benefit of personal shtf
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