I’ve plotted a way to get my friend’s bills paid for life

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Dear Pay Dirt,

I’m blessed to be one of a circle of four friends who have been close since elementary school. All but one of us are happily married, with several children, and doing all right financially, but not rich. That one, “Penny” has expenses that consistently exceed her income, to the tune of $10,000-plus per year. And every time she needs money, the other three of us have a huge fight, with each other and with our husbands, over whose turn it is to help her.

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