Making it		Using it		Keeping it
	Smart career moves		Planning ahead - budgets		Always broke
	Gaining more skills		Knowing your co-spender		One less round of drinks
	Online learning		Kid's education		Problem gambling - onsite
	"Lotto" one off win		Compulsive shoppping		Problem gambling - at home
	Salary sacrifice (Australia)		Investment warnings		Retirement fun - ski-ing & sheds

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