english: I had to really think on this a bit, as I’ve made a great deal of changes to my financial life over the past year and a half.
non_english: うぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅうぐぅぐぅうぐぅうぐぅうぐぅ