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Alice from Washington seeks advice on addressing her broke roommate's late bill payments. The response suggests a direct and calm conversation about the issue, emphasizing that their living situation is not working due to late payments. Alice is encouraged to use the free budgeting app EveryDollar to help create a budget together. The advice stresses the importance of clarity over subtlety, indicating that being vague can harm their relationship. The message urges Alice to be firm and clear about the consequences of continued late payments, as her current passive attitude is unproductive and could be perceived as taking advantage of the situation.