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You’re not broke—you’re just unorganized. After 40, every dollar needs a job, and budgeting is how you take back control. This isn’t about cutting coffee—it’s about making your money hustle harder than you do. By tracking your spending, slashing waste, and saving smart with tools like a high-yield savings account from Ally, you can shrink debt, grow wealth, and feel in control again. It’s not too late. Your comeback starts now—with one bold financial decision at a time.