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I have worked from home for twenty-five years--with no benefits at all. If I don't work, I don't get paid. Period. It's amazing how quickly that little fact builds a work ethic.

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Exactly. same here. 💕

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Me too, self employed for 37 years. I thank my grandmother for giving me a work ethic, and a ‘penny saved is a penny earned’ philosophy.

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And now....no more pennies.

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