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Mortgage-free, debt-free homeowner. Reformed rule follower. Reluctant but enthusiastic change maker. 

I give practical tips and share honest reflections on personal and community transformation at Working To Live DifferentlyI write about personal finance, careers, and life hacks as a Senior Writer at Wise Bread published by Killer Aces Media.

Contributor to Women & Co. powered by Citigroup. Past Business Insights Contributor at American Express OPEN Forum.