%PDF-1.4 % 1 0 obj << /Title (Ask an Expert: Seven ways to Identify Money Wasters) /Author (Teresa Hunsaker) /Subject (In a recent article, financial guru Dave Ramsey identified the Top 10 things Americans wasted money on. Learn how you can minimize your spending.) /Keywords () /Creator (OU Campus) /Producer (Apache FOP Version 2.3) /CreationDate (D:20240105145132-08'00') >> endobj 2 0 obj << /N 3 /Length 3 0 R /Filter /FlateDecode >> stream xgPTY{ MI$$A@wiAQdpFI AFQŀ((N#2"**K٭U[gxsOs[1M:1C H( JN !c sϑ>qyvy%. ʱlN2kwr4;- 8=%1 {iW-o!o\Vk ZkL0+ tj +|iA/o3`?(Of+yS/T7orL@ʿr` QWN = t8@W) Xo9 Ȁ