Why Your 2026 Cost‑of‑Living Raise Still Feels Like a Pay Cut: The Real Inflation Story for Gen Xers and Boomers
If your 2026 cost-of-living raise already feels like it evaporated somewhere between your grocery cart, your pharmacy receipt, and your utility bill, you are very much in the right place. This is the zone for the Gen X eye-roll and the Boomer side-eye, where that polite little “2.8% increase” meets real-world prices and gets absolutely dragged. On paper, it looks like you’re getting a bump; in your bank app, it looks more like your money just decided to cosplay as a disappearing act.
For Gen Xers and Boomers, the 2026 COLA moment is almost a dark comedy: headlines cheer that benefits are going up, companies send out careful emails about “adjustments,” and meanwhile your health insurance premium slides into your DMs like the villain of the story. You know exactly what your raise is supposed to be, but you also know that the only thing actually getting a glow-up is the bill from your grocery run. It is not that you are bad with money; it is that the math is rigged in ways that don’t show up on the official charts.
So this post is here to do what your HR email and the official government fact sheets won’t: translate the sterile numbers into the reality of middle-aged and older adults trying to keep up with a cost of living that always seems to be running a few steps ahead. You will see why a percentage that sounds reasonable gets instantly swallowed by real-life inflation, how the stuff that hits Gen X and Boomers hardest is often the most undercounted, and what you can do to stop feeling ambushed every time you tap your card. Consider this your permission slip to say, “No, it’s not just me, this really does feel like a pay cut.”
“Wait, Didn’t I Get a Raise?” – Why Your 2026 COLA Feels Like a Pay Cut
Let’s start with the official story, the one that gets announced in serious tones and neatly formatted press releases. The 2026 cost-of-living adjustment for Social Security and many related benefits is set at a modest, tidy percentage that sounds fair enough at first glance. It is framed as proof that the system is looking out for you, that your benefits are being “protected” from rising prices, and that you can exhale a little because your check is going up instead of staying flat.
But here is the problem: that number is based on an average view of inflation that tries to capture everyone and ends up really capturing almost no one. It is like ordering “one-size-fits-all” pants and then wondering why they do not fit actual human bodies. The formula leans on broad consumer price trends, when your real life is shaped by specific categories that do not behave like the average. You are not living in “inflation in general”; you are living in the universe of your particular rent or mortgage, your particular pharmacy, your particular car insurance bill.
For many Gen Xers still working, that same percentage logic shows up in their paycheck in the form of a cost-of-living raise that looks textbook good but lands like a weak cup of coffee. If your employer announces a 3% raise at the same time that your health insurance premium jumps, your property taxes creep up, and your grocery spending silently climbs, your “raise” is really just an apology bouquet from your paycheck. It looks pretty on the memo; it wilts instantly when exposed to real life.
One reason it feels so insulting is that you remember when a raise actually changed something. A few decades ago, a bump in pay meant you could do a little more: upgrade a car, add a vacation, throw extra money at debt. Now, those same percentage increases just plug leaks. The raise arrives and is immediately drafted into emergency service to cover the stuff that quietly got more expensive while you were busy working, caregiving, and trying not to scream at the latest insurance statement.
Another layer of frustration comes from the timing. By the time the new benefit or salary kicks in, prices have already been misbehaving for months, which means you have spent a good chunk of the year floating the difference out of your own pocket. It feels like someone offering you a towel after you have already walked across the rain-soaked parking lot. Yes, technically it helps, but it is late, thin, and you are still wet.
When you zoom in on the numbers, you can see why your gut reaction is “this is not enough,” even if you cannot quote inflation data off the top of your head. The average benefit might rise by a few dozen dollars, while the mix of your utilities, groceries, fuel, and medical costs has stealthily moved up by far more. And because those expenses hit every single month, the gap between “what they say you are getting” and “what you actually feel” widens faster than any polite announcement will ever admit.
That is exactly why so many Gen Xers and Boomers read the raise announcement, shrug, and go right back to their spreadsheets or mental math. On the surface, it is supposed to signal progress. Emotionally, it lands like a reminder that the system is calculating things using a story that simply is not yours. Your life does not look like a neat bar chart; it looks like a juggling act with flaming bowling pins labeled “rent,” “food,” “healthcare,” “kids,” and “parents.”
The Latte Lie: How “Tiny” Price Hikes Wreck a Fixed Budget
One of the most annoying myths Gen Xers and Boomers have been force-fed for years is the idea that your entire financial future lives or dies on coffee. If you just stopped buying lattes, you would be rich. If you just stopped eating out, you would solve everything. Meanwhile, the real villains are lurking in the background quietly adding ten, twenty, fifty dollars to the bills that actually run your life. You can give up all the lattes in the world and still lose ground if the big stuff keeps creeping up.
Tiny price hikes are dangerous because they do not feel like emergencies in the moment. Your streaming bill nudges up by a couple of dollars, your cell phone plan adds a mysterious “fee,” your internet increases by five bucks, your favorite grocery staple shifts up by seventy-five cents. None of those on their own would justify a full meltdown. But multiply that pattern across everything you pay for, month after month, and suddenly your raise disappears into a fog of “Where did all my money go?”
If you are on a fixed income or near-fixed income, those little jumps hit even harder. When the amount coming in is predictable and not particularly flexible, every uninvited increase in what goes out lands like a tax on your sanity. A few dollars here and there can be the difference between filling your gas tank when you want to, picking up an extra prescription without stress, or saying yes to a spontaneous lunch with a friend without checking your balance three times first.
There is also a psychological trap baked into the “tiny increase” game. Companies count on you not noticing or not fighting over a couple of dollars. It is not worth your time to call and wait on hold for twenty minutes to argue about an extra fee that is less than the cost of lunch. But when tens of millions of people decide that same call is not worth it, those “tiny” amounts add up to huge revenue streams on their side and drained budgets on yours. It is death by a thousand auto-drafts.
Add inflation to the mix, and suddenly those little hikes stop being isolated events and start becoming a chorus. Groceries climb, utilities slide up, insurance renewals arrive with higher numbers, and by the time your new raise or COLA hits your account, it is already spoken for. You end up using your increase to pay for last year’s price hikes. That is why it feels like you are running on a treadmill that’s set just one notch faster than your comfort zone: no matter how hard you move, you are not actually getting ahead.
For Gen X, who is often juggling kids, aging parents, and their own retirement catch-up, these micro-charges have a way of blowing up the best-laid plans. You sit down with good intentions, maybe even a spreadsheet or a budgeting app, and you map out what your raise will do. Then the reality of the month hits: the kids need extra for school or sports, the grocery bill is twenty dollars higher than you planned, and the electric bill looks like it is personally offended by your existence. Your carefully planned “extra” vanishes faster than a snack in a house full of teenagers.
Boomers feel it differently but just as intensely. When you have spent decades building a sense of stability, it is jarring to realize that your “fixed” expenses are no longer as fixed as you thought. The entire promise of a fixed income is predictability, but you are now living in a world where prices are moody, and your budget has to keep adjusting just to keep the same lifestyle you have had for years. That is not progress; that is maintenance disguised as chaos.
The cruel irony is that the advice often thrown at you is still stuck at the latte level. Stop buying little treats, they say. Tighten your belt. Swap brands. Those things can help on the margin, but they cannot outmuscle the bigger structural shifts in housing, healthcare, and insurance costs. You are not failing at budgeting; you are dealing with a setup where the “tiny” hikes are anything but tiny when they team up.
Groceries, Gas, and Grown Kids: The Real Inflation Index for Gen Xers and Boomers
If the official inflation index really reflected your life, it would be labeled something like “Groceries, Gas, and Grown Kids” instead of a string of letters and numbers. For Gen Xers and Boomers, the stuff that actually defines your cost of living is not an abstract basket of goods; it is the weekly grocery haul, the gas you need to get to work or doctor appointments, and the steady drip of financial support to adult children who are still finding their footing. That is your real index, and it does not always move in gentle, predictable lines.
Start with groceries, the unavoidable anchor of every week. You may buy the same items you have been buying for years, but the numbers on the shelf labels tell a different story. A simple cart built on basics like eggs, bread, milk, meat, produce, and pantry staples has quietly become a budget villain. You did not suddenly start eating like royalty; the cost of eating the same way you always have just decided to act like it is special now. That hits especially hard if you are feeding multiple generations under one roof.
Gas is the other line item that behaves like a moody character in a drama series. Prices spike, ease off a bit, then spike again, often for reasons that seem totally disconnected from your daily life. You are not trading oil futures; you are just trying to get to work, take your kids or grandkids where they need to go, and keep your medical appointments without having to reshuffle your budget every time you fill the tank. But when prices jump, it is not like you can simply stop driving. Your life does not shrink just because the gas price got bold.
Then there are the grown kids. Many Gen Xers and plenty of Boomers are members of the “open tab” generation, where financial support for adult children never totally shuts off. Maybe you are helping with rent, student loans, childcare, or bailing them out when their own cost-of-living math stops adding up. The raise you thought might go toward your retirement fund instead winds up covering your child’s emergency root canal or your grandchild’s daycare gap week. You are not just supporting one budget; you are quietly underwriting an entire small ecosystem.
For some Boomers, that support runs in both directions. You are helping your kids while also needing help from them, whether that is tech help, physical support, or occasionally financial backup. It can feel humbling and a little unsettling to realize that your cost-of-living raise is barely enough to stabilize your own expenses, let alone give you the freedom to be as generous as you want to be. You may find yourself saying no more often, not because you have become stingy but because the math has stopped cooperating.
Add housing to this unofficial index and the picture gets even messier. Some of you are dealing with rising property taxes and insurance, watching your monthly outlay creep up even if your mortgage payment stayed the same. Others are renting and dealing with landlords who saw the news about “market rates” and decided that your home needed to join the trend. By the time your 2026 raise lands, the increased rent or housing cost might have already claimed its seat at the table.
Put all of this together and you get a version of inflation that looks nothing like the calm averages quoted in financial news. Your personal inflation rate might include feeding three generations, keeping a car fueled for commuting and caregiving, and juggling housing costs that treat your pay increase like a suggestion instead of a solution. When you look at the reality of that mix, it makes perfect sense that your 2026 cost-of-living raise feels more like a participation trophy than a prize.
Part of reclaiming your power in this situation is recognizing that your lived experience is the real data. If your cart costs more, your gas fills are pricier, and your support for family is stretching you thin, then your instinct that “this raise is not cutting it” is not negativity; it is accurate reporting. Once you accept that you are not imagining it, you can stop beating yourself up for not being magically ahead and start focusing on strategies that respect the actual shape of your life instead of the tidy averages on someone else’s chart.
The Health Care Money Pit: Where Your Raise Goes to Die
If your 2026 cost-of-living raise had a true-crime documentary, the main suspect would be health care. It is the category that quietly walks into the room, smiles politely, and then steals your wallet, your snacks, and your afternoon. By the time premiums, copays, deductibles, and random “not covered” surprises are done with you, your nice little percentage increase is lying face-down on the floor, wondering what just happened.
For Boomers on Medicare and Gen Xers juggling employer plans or marketplace coverage, health costs have a special talent for rising faster than almost everything else. One year it is premiums; the next year it is deductibles; the year after that, the prescription that used to be ten dollars magically becomes forty. None of those changes asked for your consent. Your body also did not check in with your budget before deciding that now would be a great time to develop a new ache, issue, or chronic condition.
The cruel part is that health care is not optional. You can switch brands of cereal or cancel a streaming subscription, but you cannot simply opt out of blood pressure medication or skip imaging tests forever because they are inconveniently priced. That means health costs get first dibs on your raise whether you like it or not. Before you have a chance to allocate that money toward savings, debt payoff, or something fun, it is already spoken for by the pharmacy counter, the specialist’s office, and the insurance company.
Gen Xers in particular are getting squeezed from both sides. You may be old enough to start seeing your own health needs ramp up, while still young enough that you are helping parents navigate their medical chaos and maybe covering parts of their costs. At the same time, your kids or grandkids might need braces, therapy, urgent care visits, or help covering their own insurance. When you add all that together, your raise does not just go to your health; it disappears into a family-size medical money pit.
Then there is the paperwork drama. Explanations of benefits arrive looking like they require a decoder ring. One bill shows a number that makes your jaw drop, another shows an “adjustment” that seems invented on the spot, and by the time the final total comes through, you are equal parts relieved and suspicious. It is hard to feel like your cost-of-living increase means anything when you have to treat every medical bill like a home escape room puzzle just to understand what you owe.
On top of all that, there is the mental load of decision-making. Do you fill the prescription now or wait until next week’s check hits? Do you schedule the follow-up appointment this month or next month when your card is less scorched? These are not glamorous financial choices, but they are very real. Your raise is supposed to give you breathing room, yet health care often turns it into a series of stressful trade-offs that no one warned you about during those “golden years” speeches.
None of this makes you bad with money. It makes you a normal adult in a system where staying reasonably healthy can feel like a part-time job with surprise invoices. Recognizing health care as a key player in the disappearing raise mystery is not about wallowing; it is about naming the villain so you stop blaming yourself every time the numbers do not stretch the way the glossy brochures promised.
Shrinkflation Nation: Paying More for Less (And Not Imagining It)
Just when you thought regular inflation was annoying enough, along comes its petty cousin: shrinkflation. This is the game where companies keep the price roughly the same but quietly reduce the size, quantity, or quality of what you are buying. Your raise was not ready for this level of sneakiness. It planned for dollars and cents, not for cereal boxes that contain more air than breakfast.
You have probably already noticed it. The bag of chips that used to feel full now has enough room inside to rent out as an Airbnb. The pack of toilet paper looks the same on the outside but somehow runs out faster. The coffee canister appears identical until you realize someone shaved a few ounces off the top when you were not looking. You are not being picky. You are being observant in a marketplace that is hoping you are too tired to measure.
Shrinkflation hits Gen Xers and Boomers particularly hard because you remember what the “old normal” looked like. You know how big a half-gallon of ice cream used to be. You can tell when a “family size” portion would not even satisfy a teenager after practice. When your 2026 raise arrives and every product in your cart has been quietly downsized, it feels less like progress and more like a rigged carnival game where the prize keeps shrinking while the ticket price stays high.
There is also a deeper emotional insult wrapped in shrinkflation. It is not just that you are paying more for less; it is that the whole thing is designed to be invisible. Companies change the shape of containers, redesign labels, and rearrange shelves so that your brain does not immediately register the change. That kind of stealth move can feel disrespectful, especially when you are busting your tail to stretch every dollar. If your budget is a puzzle, shrinkflation is someone secretly stealing puzzle pieces and then acting surprised when you cannot finish the picture.
For those on fixed or semi-fixed incomes, these tiny reductions can have a big impact on how long supplies last between checks. Maybe you used to be able to go a whole month between restocking certain items; now you are squeaking in just under the wire or running out early. That forces you to adjust your shopping rhythm, which sounds minor until you realize your entire cash flow pattern is shifting to keep up with products that are literally smaller than they used to be.
Shrinkflation also messes with your ability to compare deals. Unit prices become harder to track when containers keep changing. You might find yourself standing in the aisle pulling out your phone calculator like you are auditioning for a budget version of a game show, just to figure out which option is actually the best value. Your raise was supposed to simplify life, not turn every shopping trip into a math exam.
The way shrinkflation intersects with your 2026 cost-of-living bump is brutally simple: even if your income technically keeps up with the posted prices, it cannot keep up with the disappearing quantity. The system says, “Look, your benefits grew!” while the chip bags, cereal boxes, cleaning products, and snacks whisper, “Not enough to cover us.” It is like getting a slightly bigger plate at a buffet that suddenly serves smaller portions.
The upside, if there is one, is that you are absolutely not imagining things. When something feels off about how fast you are going through household staples, your instincts are correct. Your raise did what it could. Shrinkflation just came in behind it and quietly moved the goalposts downfield.
From Pensions to Paychecks: Why Midlife Workers Aren’t Feeling the “Strong Economy”
If you are a Gen Xer still in the workforce, you might feel like you are living in two different economic realities at once. On the news, you hear about a “strong economy,” solid job numbers, and rising wages. In your actual life, your raise barely keeps up with your bills, your emergency fund keeps getting raided for very non-glamorous reasons, and your retirement account feels more like a suggestion than a promise. It is not exactly the motivational poster version of midlife money.
Part of the disconnect comes from the shift in how retirement and security are structured compared with what Boomers were promised. Traditional pensions are rarer, and the responsibility for building a stable future has been gently dumped into your lap in the form of 401(k)s, IRAs, and DIY investing. Your 2026 cost-of-living raise is supposed to help you keep pace, but when most of it gets absorbed by day-to-day survival, there is not much left to send into the future with a hopeful pat on the head.
At the same time, many Gen Xers are in their peak earning years, which sounds great on paper until you pair it with peak obligation years. You might be helping kids with college, supporting parents who are struggling with their own rising costs, and managing your own household’s never-ending list of needs. The economy might be “strong,” but it is also heavy, and you are the one holding it up with your back, your calendar, and your debit card.
Work itself has also changed in ways that do not show up in the headline numbers. Raises can be smaller, less frequent, or tied to performance metrics that feel increasingly disconnected from reality. You may be doing more work than ever before, thanks to staff cuts, automation, and “do more with less” culture, yet the bump you get each year does not reflect the amount of energy you are pouring in. Your cost-of-living adjustment feels like a tip left on a very large, very exhausting table.
Then there is job security, which has taken on a strange new shape. Maybe you are juggling contract work, side gigs, or a career change you did not exactly plan for. Even if the overall job market looks decent, the internal experience can feel precarious. When you do not fully trust that your paycheck will stay the same six months from now, it is hard to feel genuinely excited about a raise that barely nudges your margins today.
For Boomers still working, the mood can be extra complicated. You might be dealing with subtle ageism, pressure to retire before you are financially ready, or the sense that the workplace is being redesigned around people who were born after your favorite bands peaked. Your cost-of-living raise might arrive in the same email that announces “new priorities” that do not once mention what it feels like to navigate this stage of life.
When you zoom out, the story becomes clearer: the “strong economy” narrative is built on large averages, while your lived experience is built on a specific mix of wages, benefits, obligations, and prices. It is possible for both to be technically true at the same time: the economy can look good in aggregate while still feeling brutal on the ground for people carrying heavy responsibilities. Your 2026 raise fits into that weird overlap, where it is mathematically fine and practically underwhelming.
The important thing is to stop gaslighting yourself about how it feels. If the numbers say you are “doing okay” but your stress level says otherwise, listen to your stress. It is trying to tell you that you are navigating a system designed for glossy statistics, not for humans taking care of kids, parents, coworkers, and themselves all at once. Once you accept that, you can start using your raise in ways that actually support your real life instead of chasing an economic story that was never written with you as the main character.
Survival Playbook: Smart, Quiet Moves to Stretch a Too‑Small Raise
By this point, it is pretty clear your 2026 cost‑of‑living raise is not riding in on a white horse to rescue your budget. The cavalry is not coming; it sent a polite percentage instead. But just because the raise is small does not mean it is useless. The key is to stop thinking of it as “extra money” and start treating it like a tool you can deploy on purpose, even if the amount feels insultingly modest.
One powerful move is to give your raise a very specific job. Instead of letting it dissolve into the general swirl of your checking account, pick one or two targets and assign the money there on purpose. Maybe you decide that the entire raise goes toward one especially annoying bill: your internet, your cell phone plan, or a credit card that has been haunting you like a ghost from the early 2000s. It might not wipe the bill out, but it can turn a constant stressor into something you feel steadily more in control of.
Another quiet strategy is the “micro‑buffer.” If you are perpetually one surprise expense away from chaos, funneling your raise into a small but steady emergency fund can be a game changer. It will not feel dramatic at first, but as that little cushion grows, so does your ability to handle things like car repairs, vet visits, or dental drama without spiraling. You are not trying to build a financial fortress overnight; you are trying to give Future You a softer place to land.
For Gen Xers who are still working, one of the sneakiest ways to stretch a too‑small raise is to channel part of it directly into retirement contributions before it ever hits your take‑home pay. If your workplace plan lets you adjust your percentage, even bumping it up by one notch can turn a disappointing raise into long‑term backup. The psychology works in your favor because you do not get used to spending that money in your daily life; it just quietly works behind the scenes.
Boomer readers might lean more into the “cash flow clarity” side of the playbook. That can mean lining up due dates so that your raise‑boosted income and your outgoing bills stop playing calendar tag. Calling your providers and asking to shift payment dates closer to when checks hit can make the month feel less like an obstacle course. Nobody talks about this as a cost‑of‑living strategy, but timing is a powerful stress reducer when the dollars are tight.
There is also strength in attacking recurring leaks instead of obsessing over one‑time splurges. Take one afternoon to go through the subscriptions, memberships, add‑ons, and services that snuck into your financial life when you were tired, bored, or trying out “free trials.” Canceling even a handful of them lets your tiny 2026 raise operate in cleaner air. The goal is not to strip your life of every joy; the goal is to stop paying for things that do not match the season of life you are in now.
Finally, build “friction” around your impulsive spending triggers in a way that respects your humanity, not punishes you for it. That could mean removing saved cards from shopping apps, instituting a 24‑hour rule on non‑essential online purchases, or keeping a list on your phone of things you want versus things you truly need. Your raise might be small, but if you keep it from accidentally funding random late‑night scroll buys, you give it a chance to do the boring but powerful work of stabilizing your base.
Gen X Eye‑Roll, Boomer Side‑Eye: Calling Out the “Everything’s Fine” Spin
After living through recessions, housing bubbles, tech explosions, and more “once‑in‑a‑lifetime” crises than anyone promised, Gen Xers and Boomers have earned the right to be suspicious of tidy narratives. So when you hear that the economy is strong, inflation is “cooling,” and cost‑of‑living raises and Social Security adjustments are proof you are being taken care of, it is no surprise that your first reaction is a long, slow side‑eye. Your experience has taught you that the official story and the lived story are often distant cousins, not twins.
The “everything’s fine” spin shows up in subtle ways. It is in the way rising costs are described as “moderating,” even though your grocery bill still looks like it’s been hitting the gym. It’s in the tidy graphs that show average improvements without acknowledging how unevenly those improvements are distributed. And it is in the way so many solutions offered to older adults boil down to “just budget better” or “cut back on little luxuries,” as if the real problem were your love of takeout instead of decades‑deep structural shifts.
Calling out that disconnect is not negativity; it is emotional self‑defense. When you name the gap between narrative and reality, you stop internalizing the idea that you are failing because your raise does not feel like enough. You did not misread the memo; the memo was written from 30,000 feet, while you live down on the ground where the rent, gas, insurance, and grocery prices have sharp edges. You get to trust your own eyes and your own receipts.
That Gen X eye‑roll is also a survival skill. This is the generation that learned to read between the lines of corporate language, school announcements, and tech hype long before “spin” became a household word. You are used to translating vague assurances into concrete action items. When someone says, “The cost‑of‑living adjustment should help,” you know to look for what it actually does in your checking account, not just how it sounds in a press release.
Boomers have their own version of that side‑eye, born from decades of watching the rules change mid‑game. You were told one story about what retirement would look like, only to find out that health costs, housing prices, and generational support roles rewrote the script. You have every right to be skeptical when new promises arrive wrapped in percentages and jargon. You also have every right to ask, “Help whom, exactly?” when you hear about improvements that never seem to show up in your mailbox.
The magic happens when that skepticism turns into solidarity instead of isolation. You are not the only one wondering why your 2026 raise feels like a pay cut with better PR. You are part of a massive cohort of adults who see the same patterns, feel the same pressure, and are asking the same questions. Sharing that reality—with friends, family, online communities, and yes, spaces like wisegenxers—turns your individual frustration into collective clarity.
At the end of the day, the real power move is refusing to let the “everything’s fine” story gaslight you into silence. You can acknowledge that a raise is better than nothing while still insisting that it is not enough to keep pace with the cost of living you are actually facing. You can be grateful and still push for better. You can laugh, rant, strategize, and adjust—all while keeping your sense of self intact in a world that keeps trying to pay you in vibes instead of value.
Stay Connected with Wise Gen Xers
If this breakdown of the 2026 cost‑of‑living reality spoke to your inner eye‑roll, do not keep that energy to yourself. Stay plugged in with the wisegenxers community for more real‑talk on money, midlife, and everything the “official story” leaves out.
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Share this post with the Gen Xers and Boomers in your life who keep saying, “I got a raise and somehow still feel broke.” They are not alone—and neither are you.
Disclaimer
This content is for informational and entertainment purposes only and does not constitute financial, legal, tax, medical, or mental health advice. No guarantee or warranty is made regarding the accuracy, completeness, or applicability of the information to your specific situation.
Decisions about budgeting, investing, benefits, employment, health care, or debt management should be made in consultation with qualified professionals who can review your individual circumstances. Do not start, stop, or change any medical treatment or mental health plan based solely on content you read online, including this post.
If you are experiencing financial, medical, or mental health distress, contact a licensed professional or appropriate local emergency or crisis resource. The author and publisher of this post assume no responsibility for any actions taken or not taken based on this material.
References
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