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[Music] hello everyone welcome to paperwork Intel where we make filling out forms and applications easy for everyone my names Raheem and Ill be your guide today so youve walked all your adult life youve been responsible putting money away for when you retire then life throws you a curveball you lose a job a major client or a major contract and suddenly your cash flow is compromised youre no longer worried about retirement youre worried about paying your bills today youre living expenses right now if this sounds like you dont sweat it youll be surprised to know how many people are in the same boat right now just stay focused maintain a positive mental attitude youll be back on your feet in no time anyway you go to the mailbox to grab your mail and its one bill after another bill after another bill and a breath of fresh air you get a statement from the bank showing the thousands of dollars you have saved up for when you retire you could use some of that money right now but it