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In a call on an episode of The Ramsey Show, a 73-year old Arizona resident named Robin shared that she has no 401 (k) or mutual funds and more than $12,000 in outstanding student loan debt — but is ...

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However, if you tend to overspend, miss payments or simply can't get approved for a credit card, debit cards may be a better option. While most debit cards don't offer rewards or build credit ...