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The K-shaped economy makes one thing clear: a shrinking set of people are getting richer while everyone else is being told to “treat yourself” with a coupon code.

If you’re going to brave Black Friday, your money needs to work harder and smarter.

I help maximize budgets for a living, so I broke up the chaos into four buckets people actually spend on during Black Friday :

Core Upgrades that make everyday life better, Apartment Safe buys that won’t ruin your rent, Status Smarts for when you want the look without paying layaway, and High-ROI Buys that pay for themselves in as little as one use.

No filler,

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