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Ray Hope, also known as the Financial Empowerment Advocate, discusses how over 100 million Americans are losing money every pay period. He explains that many people are incorrectly filling out their W-4 forms at work, resulting in unnecessary tax deductions and reduced paychecks. By properly completing the W-4 form, individuals can bring home more money and alleviate financial struggles. Hope aims to help individuals maximize their income and improve their financial situations.