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Madison Hayes considers herself to be in her “full-blown revenge saving era.”

During the pandemic and the real estate boom that followed, Hayes (who is a realtor) was very focused on business growth and basically ignored her personal finances. Late last year, she realized how much money she’d spent on things like food delivery , subscription boxes and social memberships she never had time to use.

“Now I’m saving 48% of my income year-to-date,” says Hayes, who owns Gateway Realty Group in St. Louis, Missouri. “I treat saving like a com

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