Money is kind of just like air - if you don't have air, you can't breathe. If you don't have money, I don't think you'll want to breathe - you won't want to live.
As you schedule individual tasks, give yourself a cushion. Mark the due date a few days ahead of the actual deadline so you have time to deal with changes or last-minute emergencies.
We still have a lot of work to do in American culture. More open-mindedness is happening - in some cases rapidly, in some, slowly.
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